Having a feline in your life can be a very rewarding experience. It brings a unique form of companionship and in a lot of cases this starts with getting a kitten. Cute as a button, they bring an adventurous, mischievous energy to a home but they do come with new responsibilities for you, as a pet owner.
When it comes to protecting your playful, lovely new kitten many cat owners consider taking out an insurance policy to help with costs should something unfortunate happen.
There are several different cover levels from just protecting against an accident to policies for the duration of your cats life. It helps protect you, the pet owner with various costs that can be associated with pet ownership such as vets and medical expenses (depending on the selected kitten insurance policy type).
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Accident only kitten insurance. Your kitten is covered in the event of an accident, but won’t cover long-term illnesses. There may also be limits on the amount of time and money allowed for treatment.
Time limited kitten cover. Covers illnesses to you kitten as well as any accidents, but for a limited amount of time only. These policies may also come with a maximum pay-out.
Maximum benefit cat insurance. Covers illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for. This can be useful if your kitten experiences a chronic or persistent illness.
Lifetime cat insurance. This is the most complete type of cat insurance available. It covers accidents, injuries or illnesses for the lifetime of your cat, subject to limits as advised in the policy. These policies can often include extras such as dental cover and expenses for burial of your cat.
Kitten insurance comes in many different forms and you need to check on the individual cover level you opt for and the insurance broker being chosen to know exactly what is and isn't covered. Typically the below are commonly parts of insurance for a kitten.
Kitten insurance is almost identical to the typical cat insurance policies, they work in exactly the same way. But by starting the insurance as early as possible, especially on the lifetime pet insurance policy type you are more likely to be able to cover any medical conditions as these will come up after the insurance starts and are therefore not considered pre existing conditions and then excluded from cover (depending on insurance broker). as long as you renew the cover