Let’s take a look…
If your kitten fancies themselves as a bit of a top cat and knows no fear, then you might feel an accident only policy is the best option. These policies do pretty much what you expect them to do and they could compensate you for costs incurred if your cat has an accident – like falls off a shelf or traps their tail somewhere (where it probably shouldn’t have been in the first place).
If you’re looking for something with a bit more cover, then consider a time limited policy instead. Time limited policies can cover your kitten for any new illness up to an agreed cost limit and within a certain time frame (usually 12 months). If you reach the agreed cost cap within the policy period, then you’ll have to cough up for any additional fees. It’s worth noting that you’re only insured for new illnesses – anything that’s recurring won’t usually be covered under these types of policies.
If you don’t want to be limited by time constraints then a max benefit policy can cover your cat for all new conditions up to an agreed financial limit and as long as the insurance policy remains valid, there’s no time limit on your claim.
Of course, kittens become lifelong companions and a lifetime policy can cover your mini mouser until it becomes a wise old tabby. Again, there are usually financial limits but you’ll be able to claim for both new and recurring conditions year after year – so long as the policy remains active.