Kitten Insurance | Standard Evening
It’s fun to have a kitten in the house, but it can also be stressful and costly for their owners. Kittens can be accident prone when exploring their new surroundings and this, in turn, may require a visit to the vet.
Kitten insurance is a specific type of pet coverage that helps pay for medical care in the event of an accident or illness of your little one. It also covers other costs, such as if your kitten gets lost or is stolen.
We take a look at how this type of coverage works and ask if it makes financial sense to remove it.
What is kitten insurance?
Kitten insurance is similar to cat insurance which tends to be aimed at older felines. It covers veterinary costs for visits involving blood tests and x-rays, as well as for actual treatments.
Kitten policies may also include advertising coverage. If a kitten went missing, for example, it would allow the owner to recoup the cost of putting up posters and even fund a reward. Cattery costs may also be covered. For example, when an owner had to go to the hospital and had no one to take care of their kitten at home.
Why remove it?
While insurance is another bill to pay, in addition to other pet necessities and treats such as food, vaccines, toys, etc., it can also provide valuable peace of mind. financial. As pet owners know, even a small trip to the vet can end in a big bill.
Another reason for purchasing kitten insurance is that so-called âpre-existing conditionsâ are not always covered by traditional cat coverage.
If, however, you take out lifetime coverage for your kitten, it means your pet is insured before they develop any health problems. Provided you renew the policy every year, if your pet continues to develop health issues, they should be covered for them.
You can normally purchase insurance for your kitten once she is five or six weeks old.
Kitten insurance providers include Healthy Pets, Animal Friends, The Insurance Emporium, 4 Paws, Bought by Many, and Pet-insurance.co.uk. Some insurers, such as John Lewis and Sainsbury’s Bank, cover kittens eight weeks and older as part of their cat insurance policies.
What types of coverage are available?
Kitten insurance comes in four main versions, namely: accident only; limited time; maximum benefit; and for life.
If money is tight, to keep costs down, you can choose an accident insurance policy although, as the name suggests, this type of coverage is relatively limited in scope. This can be a good idea if your kitten is particularly daring, fearless, and accident prone. However, it will not cover the costs associated with the disease.
A limited time policy covers your kitten against accidents and illnesses. As the name suggests, it lasts over a certain period of time such as 12 months.
Meanwhile, maximum benefit policies, also known as capital limited policies or condition policies, cover kittens for new terms up to an agreed cost limit.
There is no time limit, but when the cost limit for a particular treatment runs out, coverage runs out. To ensure coverage lasts as long as the money lasts, clients must renew their policies at the end of each policy period.
Finally, lifetime policies tend to be the most comprehensive, covering kittens up to a set amount each year as long as the insurance policy remains in force. Accidents and illnesses are covered. However, when the annual cost limit is reached, the animal will not be covered for any further treatment that year.
What affects the cost of premiums?
The cost of kitten insurance depends on the type of coverage you purchase, as well as factors such as your pet’s age and breed.
An online research shows that accident only cover can be purchased for around Â£ 3 per month. For a six week moggy in London, a maximum benefit policy with a condition limit of Â£ 1,000 can be purchased for as little as Â£ 4.32 per month.
The more you buy a full policy, combined with higher annual cost limits, the more it will increase the price.
Some cat breeds are attractive to thieves or likely to develop certain conditions, so they cost more to insure. Plus, where you live has an impact on premiums, as well as whether you’ve ever made an insurance claim for your pet.
Can I insure several kittens at the same time?
It is possible to insure several kittens within the framework of a multi-animal insurance. Insurers often offer a discount when an owner adds multiple animals to a single policy. But that doesn’t always cost less than having individual policies for each animal.
Do your research and be sure to shop around for the best quotes. Having a microchipped kitten is not necessarily an insurance requirement, although this can vary from provider to provider. Again, be sure to check it out. In some cases, the microchip can reduce the policy premium.
What is not covered?
Kitten insurance will not cover vaccinations, spaying, neutering, routine checkups, or treatments for your pet such as deworming tablets and flea control. It is also unlikely to cover the microchip or conditions that arise in the first 14 days after the policy is purchased.
Is kitten insurance worth it?
As with other forms of coverage, it’s all about weighing all the variables and seeing what gives you the best peace of mind about the costs involved. It is possible that with kitten insurance, you end up paying more in premiums than what you get back for the treatments done on your pet.
Keep in mind that going over your coverage limit means you’ll end up paying the balance of any remaining treatment fees that your pet may need. Check what the limits are before you buy, to make sure you’re comfortable with what’s on offer.
If your kitten develops a health problem, you will need to stay with the same insurer to make sure they remain covered. By switching to a competing supplier, it is likely that the condition would become considered âpre-existingâ and unlikely to be covered in the future.