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With all the climbing, investigating and playing, having a new kitten in the house is an exciting time. It can also be expensive, thanks to the costs of pet food, equipment, toys and routine vaccinations. So should you bother with pet insurance for your kitten, or wait until they’re older? There are a few good reasons to get your insurance when your kitten is young. If your kitten has an accident and needs to visit a vet, you could end up having to pay out for costly treatments. For example, the Association of British Insurers reports a case of a total bill of around £600 for a kitten that needed to have their stomach pumped. Plus, insuring your pet before they develop any medical conditions means you could avoid the difficulty of pre-existing conditions being excluded from your insurance cover.
You can insure your kitten from as little as £38 per year for accident only cover, based on Compare the Market data in February 2019. Accident only insurance will only cover your pet’s treatment following an accident; if you’d like a higher level of cover for your pet then your monthly payments are likely to cost more.
Despite the fact that vet bills are rising by around 12% a year, 62% of the UK’s cat owners don’t have pet insurance cover. That means they could face hefty costs if something goes wrong. Today, cat problems like an open wound from a fight or fall could set you back as much as £350, while diabetes can cost as much as £1,060.
You should be able to get pet insurance for your kitten when they’re between six and eight weeks old.
Here are the main conditions to look out for in your kitten.
Within the first few weeks you should register your kitten with a vet and arrange a health check.
At this appointment, you’ll discuss issues such as:
You may want to discuss having your kitten spayed or neutered. This can be done from four months old. Be aware that routine vaccinations and check-ups aren’t typically covered by your pet insurance and that you’ll have to stay on top of these for your policy to be valid.
There are four main varieties of pet insurance that you can consider for your kitten:
You should always check your cover details because even policies of the same name could differ depending on the insurance provider. If there’s something specific you know you want insurance for, such as dental cover, then double check the small print. Also check exactly which vet fees will be covered by your policy and whether your insurance provider pays your vet directly or you have to stump up first and claim the money back. Policies may include:
Use our price comparison service to find kitten insurance that suits your pet. Just give us a few details about your kitten and we’ll show you a range of quotes.
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