By Aurus Sy
Published: 10/20/2021, edited: 12/30/2021
Save on pet insurance for your pet
You don't have to choose between your pet and your wallet when it comes to expensive vet visits. Prepare ahead of time for unexpected vet bills by finding the pawfect pet insurance.
Overview
Kittens are full of mischief. Though their antics are often cute and
entertaining, their shenanigans can sometimes get them in trouble.
No
cat parent wants to see their kitten hurt or sick. And while you can’t
predict the future, you can prepare for the unexpected by getting your
feline friend insured. Not only that, but getting pet health insurance
also protects you from high vet bills. So, which providers have the best
insurance plans for kittens? Read on to see our top picks!
Our top picks for the best pet insurance for kittens
- Best wellness add-ons: Embrace
- Best dental coverage: Healthy Paws
- Most affordable monthly premium: Pets Best
- Most customization options: ASPCA Pet Health Insurance
- Most comprehensive coverage: Pumpkin
Embrace
Cat parents need to look no further than Embrace
for a comprehensive wellness plan. It reimburses many items not covered
by other providers, such as grooming, training, and chiropractic care.
For its main insurance plan, Embrace offers 5 deductibles, 5 coverage
amounts, and 3 reimbursement rates.
Why Embrace is a great choice for kitten insurance
- Wellness plan includes items not covered by other providers
- Wellness reimbursement is available on the day of sign-up
- Short waiting period for accidents
What’s covered?
- Gingivitis
- Allergies
- Arthritis
- Diabetes
- Parasites
- Osteosarcoma
- Cancer treatment
- Complementary treatments
- Physical therapy
- Diagnostic testing
Deductibles
- $200
- $300
- $500
- $750
- $1,000
Coverage limits
- $5,000 per year
- $8,000 per year
- $10,000 per year
- $15,000 per year
- $30,000 per year
Reimbursement rates
- 70%
- 80%
- 90%
Waiting period
- Accidents: 48 hours
- Illnesses: 14 days
Monthly premium: $18 to $24 on average
Add-on options
Embrace’s
pet wellness plan reimburses routine care items, such as wellness exam
fees, spay/neuter surgery, nutritional supplements, grooming,
preventative teeth cleaning, training, and more.
Healthy Paws
Unlike most pet insurance providers, Healthy Paws
doesn't impose limits on claim payouts. The company has one simple plan
that covers several health conditions and treatments, including dental
injuries and dental illnesses, with 5 deductible options and 5
reimbursement rates for cat parents to choose from.
Why Healthy Paws is a great choice for kitten insurance
- Covers common dental issues and treatments
- Most claims are processed within two days
- No caps on payouts
What’s covered?
- Chipped or broken teeth
- Dental malocclusion
- Stomatitis
- Abscess wounds
- Allergies
- Ear mites
- Conjunctivitis
- Feline lower tract urinary disease (FLUTD)
- Emergency care
- Specialty care
Deductibles
- $100
- $250
- $500
- $750
- $1,000
Coverage limits
- None
Reimbursement rates
- 50%
- 60%
- 70%
- 80%
- 90%
Waiting period
- New accidents and illnesses: 15 days
- Hip dysplasia: 12 months
Monthly premium: $20 to $25 on average
Add-on options
Healthy Paws does not cover wellness or preventative care nor offers it as an add-on option.
Insuring your kitten is essential for preventing high vet care costs.
Most pet insurance companies don’t cover pre-existing conditions. To avoid high veterinary care costs, secure pet health insurance today and save up to $273 each year.
Pets Best
Pets Best
offers inexpensive pet insurance for cat parents who are looking for
budget-friendly policies. The company has an Accident plan that starts
at $6 per month, plus 6 deductible levels, 3 coverage limits, and 3
reimbursement rates.
Why Pets Best is a great choice for kitten insurance
- Affordable monthly premiums
- Short waiting period for accidents
- Customizable plans
What’s covered?
- Poisoning
- Car accidents
- Foreign object ingestion
- Allergies
- Ear and skin infections
- Glaucoma
- Epilepsy
- Surgeries
- Prescription medications
- X-rays
Deductibles
- $50
- $100
- $200
- $250
- $500
- $1,000
Coverage limits
- $5,000 per year
- $10,000 per year (Accident plan only)
- Unlimited
Reimbursement rates
- 70%
- 80%
- 90%
Waiting period
- Accidents: 3 days
- Illnesses: 14 days
- Cruciate ligament conditions: 6 months
Monthly premium: $6 to $46 on average
Add-on options
Pets Best has two tiers of routine care coverage. Both the EssentialWellness and BestWellness plans help pay for spay/neuter, vaccinations, bloodwork, and more.
ASPCA Pet Health Insurance
ASPCA Pet Health Insurance
has two main plans: Accident-Only and Complete Coverage. Both can be
customized to fit various budgets and needs; cat parents can choose from
three deductible options, five coverage amounts, and three
reimbursement rates.
Why ASPCA is a great choice for kitten insurance
- Customizable plans with a good range of options
- Competitive pricing
- Accident-Only plan available
What’s covered?
- Broken bones
- Toxic ingestions
- Cancer
- Arthritis
- UTIs
- Hip dysplasia
- Alternative therapies
- Prescription food and supplements
- Bloodwork
- Hospitalization
Deductibles
- $100
- $250
- $500
Coverage limits
- $3,000 per year
- $4,000 per year
- $5,000 per year
- $7,000 per year
- $10,000 per year
Reimbursement rates
- 70%
- 80%
- 90%
Waiting period
- 14 days
Monthly premium: Starts at $10 to $17 on average
Add-on options
ASPCA
offers 2 options for preventive care. The Basic plan covers dental
cleaning, a wellness exam, deworming, an FVRCP vaccine/titer, and more,
while the Prime plan includes additional tests and treatments.
Pumpkin
Pumpkin’s pet insurance was designed to provide extensive coverage
for felines ages 8 weeks and up. The company covers many conditions that
other providers exclude or charge extra for, and offers 3 annual
deductible options and 2 annual limits.
Why Pumpkin is a great choice for kitten insurance
- Covers key conditions some providers exclude
- High reimbursement rate
- No breed restrictions
What’s covered?
- Eye, ear, skin conditions
- Digestive illnesses
- Respiratory infections
- UTIs and kidney disease
- Orthopedic injuries
- Cancer and growths
- Dental illnesses
- Hereditary conditions
- Alternative therapies
- Emergencies and hospitalization
Deductibles
- $100
- $250
- $500
Coverage limits
- $7,000 per year
- $15,000 per year
Reimbursement rates
- 90%
Waiting period
- 14 days
Monthly premium: Starts at $27.30 on average
Add-on options
Pumpkin
has a preventive care pack that covers 100% of the fees for an annual
wellness exam, an essential vaccine, and a yearly parasite screening
test.
Vet bills can quickly add up, but insuring your kitten as soon as “pawssible” will help prevent high vet care costs. Start comparing insurance plans from leading insurers and save over $270 a year.
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