Best Pet Insurance for Kittens

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!

• 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

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.

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.

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 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’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.