Best Kitten Wellness Plans for Preventive & Routine Care of September 2021

Lisa Scott

Kitten wellness plans that focus on preventive and routine care helps you to afford the care they need throughout their life.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Insurance plans designed around routine care for a healthier pet

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

PetFirst offers coverage for dogs and cats at an affordable price. Pet Parents are able to take charge of their monthly premiums by customizing a policy that suits their financial situation. It offers policy add-ons, such as preventive and wellness coverage that keeps your pet protected all year round. The agency operates in all States and allows pet parents to visit any licensed vet of their choice.

The insurance agency does not provide any restrictions on the maximum age limit allowing pet parents to enroll even older pets. According to PetFirst, every pet deserves the best healthcare coverage without discriminating on age.

What we like

  • Routine care to take care of vet check-up costs and proactive healthcare issues
  • Offers deductibles as low as $50
  • Short waiting periods for coverage to kick in
  • Wide range of reimbursement rates to have more control on finances

What we don't

  • Maximum annual limit is $10,000
  • Pre-existing health conditions are not covered

Is kitten wellness coverage worth it?

While your kitten is still young, preventive care for long-term illnesses is likely not on your mind. However, the best way to prevent your kitten from experiencing serious illnesses or injuries later in life is to keep up with routine care.

Taking your kitten to the vet on a regular basis and starting early on in their life helps you to monitor their wellbeing, which helps create treatment plans to avoid problems that may develop early on. Especially if your kitten is prone to congenital or hereditary issues, you will want to pay special attention to routine care and treatments.

While these frequent vet visits are necessary for your kitten’s health, they can get expensive over time. This is where pet insurance can help to support your kitten’s wellbeing. Wellness plans that focus on preventive and routine care help you to continuously monitor your kitten’s health and set them up for a healthier life long-term.

What do kitten wellness plans cover?

Kitten wellness plans cover different treatments and procedures depending on the details of the insurance plan. Typically, insurance providers will offer different plans that cover illness and injury treatment. These account for unexpected issues and are more focused on treatment than prevention.

To be covered for preventive and routine care, you will have to take advantage of a separate wellness plan option that is in addition to your pet insurance plan. These wellness plans often cover:

  • Pest prevention: Preventive care for pests, including ticks, fleas, heartworm, ringworm, and more are usually covered under wellness plans.
  • Wellness visits: Routine visits to your kitten’s vet that include a wellness exam are often covered under a pet wellness plan.
  • Preventive procedures: Spaying and neutering, teeth cleaning, deworming, and other procedures to keep your kitten healthy are covered.

Some plans will allow you to pick and choose which types of routine and preventive care treatments you want to include in your plan. This allows you to customize your plan to be sure your kitten gets the attention it needs during routine vet visits.

How are kitten wellness premiums determined?

There are different factors your insurance provider will take into account when determining a monthly premium for your wellness plan coverage. Some of these factors include:

  • Breed: Your kitten’s breed will help to determine a monthly premium. Some breeds are more likely to experience serious illnesses, even early on in their life, and will require a higher monthly premium for coverage.
  • Plan details: Depending on what types of coverage and treatments are included in your plan, your monthly premium will change. Additionally, your deductible, reimbursement amount, and coverage cap will contribute to your monthly premium charge.
  • Location: Where you are located may affect your monthly premium. If you are in an area with less vet options that accept your pet insurance, you may be required to pay a higher premium.

How to choose the best kitten wellness plan?

Choosing the best wellness plan for your kitten requires you to take different details into consideration. As you are making your decision, keep the following in mind:

  • Your kitten’s unique needs: Your kitten may be more susceptible to certain issues later on in life depending on their breed and medical history. Be sure to confirm your wellness plan covers any treatments you may expect your kitten to need depending on these factors.
  • Compare and contrast plans: Take a look at what each has to offer in terms of which treatments are covered, what the reimbursement and deductible options are, and what the overall insurance cap is to help you decide on the best option.
  • Consider your budget: Just because a plan is the cheapest option does not necessarily make it the best. Take a look at what is covered and think about what you may be expected to pay out of pocket for the more expensive treatments your kitten may need down the line.
  • Review customer experiences: Check reviews on your future pet wellness plan, and what individuals have to say about their experience. Review what customers have said about claims processing and how they handle customer inquiries to find out what your experience may be like. See also our reviews on these reviews as they can be helpful.