Kitten Insurance
Kitten insurance helps with the vet fees if your kitten has an accident or falls ill, from just 4 weeks old. You make the memories, we'll handle the mishaps.
Regulated by the Financial Conduct Authority.
- Cover for kittens from just 4 weeks old, protected from the very start
- Up to £5,000 of vet fee cover for each new illness or injury
- Free 24/7 vet calls, expert advice whenever you're worried
- Choose lifetime cover and new illnesses stay covered year after year, from cat flu to allergies
Trusted by thousands of UK pet owners for over 8 years, with up to £5,000 of annual vet fee cover, and we can pay your vet directly.
What is kitten insurance?
Kitten insurance is cat insurance that starts early, helping with the vet bills when your kitten is injured or falls ill, so you can say yes to the treatment they need without worrying about the cost. And because kittens are curious, clumsy and into everything, those first months are often when the little accidents and upsets happen. Depending on the type of cover you choose, a policy can protect your kitten against anything from a one-off accident to an illness that sticks around as they grow, like diabetes or a skin allergy. With lifetime pet insurance, that protection can continue year after year, for as long as your cover stays in place. Whether you’ve got a tiny bundle who’s just come home or a bold little explorer already testing the stairs, there’s a level of cover to suit. And as your kitten grows, the same policy grows with them, becoming their cat insurance for the years ahead. There’s more to it than the cover, too. Along with your policy, you’ll get handy extras like free 24/7 vet advice for the 3am worries, a low £90 excess, direct payments to your vet, and money off top pet brands through our Perks & Offers. The little things that make life with a new kitten that little bit easier, and a bit more affordable too. Terms and conditions apply.
Regulated by the Financial Conduct Authority. 
Only pay for what your kitten needs
- Four levels of protection, lifetime to accident only
- Lifetime cover with up to £5,000 of vet fees per condition
- Low £90 excess, and we can pay your vet direct
Award-winning and rated 'Excellent' on Trustpilot
- Voted Best Pet Insurance Provider 2025
- Moneyfacts 5-star rated (Elite Extra Plus dog insurance)
- Rated 'Excellent' on Trustpilot from over 15,000 reviews
Packed with extras, at no extra cost
- Free 24/7 Vet Assist, by phone or video*
- Money off top pet brands with our discounts and perks
- Free online symptom checker
Rated 'Excellent' on Trustpilot
From over 15,000 independent reviews.
Compare Our Kitten Insurance Policies
Every kitten’s different, and so is every policy. Our cover runs from a one-off accident to an illness that needs treating for years, so the right fit comes down to your kitten and your budget. Compare them side by side below to see exactly what’s covered, and when you’re ready, getting a quote is quick, free and simple.
| Lifetime Protection for your pet against acute and chronic conditions for the duration of its life. | Maximum Benefit Claim for vet fees to treat accidental injuries and illnesses up to a pre-set limit. | Time Limited Insurance that covers vet fees for accidents and illness for a limited period of time. | Accident Only Treatment for your pet in the event of a sudden and unexpected accidental injury. | |
|---|---|---|---|---|
| Vet fees (per condition) | £1000, £2000, £3000, £4000 or £5000 | £1000 or £4000 | £1000 or £2500 | £1000 |
| Third party liability (dogs only) | £1500000 - £2500000 | £1000000 - £1500000 | £1000000 - £1500000 | ✘ |
| Complementary treatment | ✓ | ✓ | ✓ | ✓ |
| 24/7 vet advice | ✓ | ✓ | ✓ | ✘ |
| Overseas holiday cover | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Holiday cancellation | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Missing and stolen | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Advertising and reward | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Emergency boarding | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Death from illness or accidental injury | £500 - £1000 | £500 - £750 | £250 - £500 | ✘ |
| Excess | £90 per condition, per policy year, except for Third Party Liability claims where an excess of £250 per claim applies. | |||
| View Lifetime | View Maximum Benefit | View Time Limited | View Accident Only | |
Regulated by the Financial Conduct Authority.
Is it worth getting pet insurance for a kitten?
Whether kitten insurance is worth it depends on how you’d handle an unexpected vet bill in your kitten’s early years. Insuring a kitten early matters because pet insurance covers new illnesses and injuries, not a pre-existing condition your kitten already has. The earlier a policy starts, the fewer conditions count as pre-existing later.
Kittens are curious and accident-prone, so those first months bring their share of scrapes, swallowed bits and tummy upsets. A policy helps with the cost of treatment, so you can say yes to the care they need and focus on getting them better.
Whether it’s worth it comes down to your kitten and your budget. Cover is never one-size-fits-all, so the level of cover you choose should match what you’d want covered and what you can comfortably pay.
Some owners choose lifetime insurance for the long term, since it keeps covering ongoing illnesses year after year as long as the policy stays in place. Others start smaller and build up cover as their kitten grows. Either way, kitten insurance is simply cat insurance started early, so there’s no wrong answer, and you can get a kitten insurance quote in about 2 minutes to see what fits.
Why choose Perfect Pet For Your Kitten's Insurance?
Explore what comes with a Perfect Pet cat policy, from trusted vet support to everyday savings.
Cover that fits your budget
Choose from four levels of cover for your cat, from lifetime to accident only. Depending on the policy, you can get up to £5,000 of vet fee cover per condition and a low £90 excess.
We pay your vet directly
No big bill to fund upfront. We’ve settled 97% of claims within five working days, and we can pay your vet directly so you’re not left finding the money first.
Every cat, every age
Kittens are covered from four weeks old and no upper age limit, even on lifetime policies, so your cat stays protected from playful kitten to wise senior.
We’ve insured over 350,000 pets UK wide
Looking after the UK’s pets for over 8 years, giving owners across the country reassurance when it matters most.
Regulated by the Financial Conduct Authority.
We’re here for you and your pet
With your pet policy, you’ll also get trusted tools and expert help that make health worries easier to handle and everyday care more affordable.
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Cat signs & symptoms checker
Check your cats symptoms and get rapid help at your fingertips with our free, vet-approved Symptom Checker.
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24/7 vet assist video & telephone calls
Get trusted triage advice and find out what might be wrong. Fast, professional help with no appointment needed.
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Save big on prescription medication
Save an average of 57%* on prescribed meds. Trusted pet drugs, straight to your door.
Cat insurance for every life stage
from kittens to older cats
From a brand-new kitten to a much-loved senior, every cat deserves cover that fits their life stage. Our kitten insurance protects them from just four weeks old, while our older cat insurance keeps supporting them with no upper age limit. Choose the option below that matches your cat.
Cat insurance
- Cat insurance for cats of every age, from playful kittens to seniors
- Up to £5,000 of annual cover for every new illness or injury
- Free 24/7 vet calls, expert advice whenever you're worried
Older cat insurance
- No upper age limit, even on Lifetime, older friends always welcome
- No limit on the number of illnesses or injuries you can claim for. Up to £5,000 per condition, per year
- Low £90 excess, one of the lowest around.
Learn more about older cat insurance
Regulated by the Financial Conduct Authority.
Multi Pet Insurance
- 15% multi-pet discount, more pets, more savings
- Hassle-free cover with one simple renewal
- Every pet gets their own separate cover and limits
Learn more about multi-pet insurance
Regulated by the Financial Conduct Authority.
More memories, less worry.
You make the memories, we’ll handle the mishaps. Get your quote in minutes and see exactly what’s covered before you decide.
Regulated by the Financial Conduct Authority.
Cat Insurance
Frequently Asked Questions
Find out more about Perfect Pet insurance policies for cats with the questions our customers have asked.
The honest answer: it’s hard to say, because kitten insurance pricing completely depends on your kitten and the cover you choose. As a very rough guide, UK premiums for a kitten can run from around £4 a month to £40 or more, with many owners paying somewhere in between.
What it depends on: your kitten’s breed, where you live, local vet fees, the policy type, and the vet fee limit you pick. Lifetime cover usually sits at the higher end, since it can keep covering an illness year after year as your kitten grows, while accident only tends to cost least because it doesn’t cover illness. Pedigree kittens usually cost more to insure than moggies, and premiums typically rise as your kitten grows into an adult cat.
One thing no pet insurance company prices in: a pre-existing condition. Anything your kitten was born with or developed before the policy started isn’t usually covered, whichever provider you choose. It’s the main reason many owners insure a kitten as early as possible.
Treat all of this as a ballpark rather than a price list. These are broad UK market estimates, not our prices, and no two kittens cost quite the same to insure. With Perfect Pet, kitten cover comes with interest-free monthly payments, a low £90 excess, and a 15% discount with multi-pet insurance when you insure more than one cat or kitten together. For a price that’s actually yours, get a kitten insurance quote, it takes about 2 minutes.
Yes, and you’ll save by doing it. Insure more than one pet with Perfect Pet at the same time and each eligible policy gets 15% off, whether that’s two kittens or a kitten and an older cat. Every pet keeps their own cover and limits.
Indoor kittens still get ill, so cover can matter just as much. Staying inside lowers the odds of road accidents and scraps, but not tummy troubles, urinary problems or a swallowed bit of string. The level of cover is still yours to weigh up.
No, and it’s worth knowing that upfront. Routine and preventative care, like vaccinations, neutering, and flea and worm treatment, sits outside pet insurance, because it’s planned rather than unexpected. Insurance is there for the accidents and illnesses you can’t see coming.
In general a pre-existing condition is the one thing not many pet insurers will cover. That means anything your kitten was born with or showed signs of before the policy started. How this affects you depends on your kitten’s health and when you choose to start cover.
Making a claim is straightforward, and we’ll guide you through it. You can claim online, and in many cases we can settle directly with your vet, at their discretion, so you’re not left paying the whole bill and waiting to be paid back. Most claims are dealt with quickly.
It can. Premiums usually rise as pets get older, since the chance of illness increases with age, and your price may also change at renewal, including after a claim. Your renewal will always set out what’s staying the same and anything that’s changed.
Kittens are prone to a handful of common ones: cat flu, tummy upsets and diarrhoea, worms and fleas, ear mites, and eye infections like conjunctivitis. Curiosity lands a few at the vet too, with sprains, swallowed objects or small injuries. Most are treatable, and most are the kind of thing cover can help with.
Just a few details about your kitten: their age, breed, whether they’re microchipped and neutered, and your postcode. It takes about 2 minutes, and you’ll see what’s covered before you decide anything. Nothing’s committed until you choose to go ahead.