Pet Insurance for Kittens

If you are looking for healthcare cover for your kitten, you can compare a range of pet insurance quotes with Savvy today.

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, updated on October 6th, 2023       

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Kitten pet insurance

Compare pet insurance

Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget. 

site-logos Fetch Care Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$30,000 $100 80%, 90% or 100% pros-item-petins pros-item-petins

Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.

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site-logos Petsy Most Popular 80% Cover $150 Excess

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Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$25,000 $150 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

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site-logos Fetch Premium Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$30,000 $0 80% or 90% pros-item-petins pros-item-petins

Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.

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site-logos Knose Pet Insurance

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% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$7,500, $12,500 or $25,000 $0 / $100 / $200 70%, 80% or 90% pros-item-petins pros-item-petins

Multi-award winning pet insurance designed with the help of vets.

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site-logos Petsy Value Cover 80% Cover $500 Excess

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$10,000 $500 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

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site-logos Petsy Top Cover

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$25,000 $0 / $150 / $500 90% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

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Savvy earns a commission each time a customer buys a pet insurance policy through our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via the individual pet insurance companies.

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Bringing a kitten into your home is a joyful experience, but it also means taking on the responsibility of their health and well-being. Taking out pet insurance for your kitten can provide essential support during their early stages of life. However, with numerous options available, navigating the world of kitten insurance might feel overwhelming. That’s where Savvy steps in.

Our free online platform allows you to compare insurance policies from a range of insurers side by side, helping you find a plan that suits your kitten’s needs and your budget. Get started with a free, no-obligation quote today. 

What types of pet insurance are there for my kitten?

Whether your have a kitten or your cat is grown, pet insurance policies in Australia generally fall into three main categories:

Accident-only cover: this cover provides financial support in instances of accidental injuries, which kittens, known for their playfulness and curiosity, may be prone to. This may include fractures, bite wounds and ingesting foreign objects.

Accident and illness cover: this level of coverage extends beyond accidents to encompass various illnesses that kittens might encounter during their early life stages, such as respiratory infections.

Comprehensive cover: offering the highest level of coverage, comprehensive policies offer an all-encompassing safety net for your kitten’s health. They cover accidents and illnesses and often include preventative care elements like vaccinations, regular check-ups and dental care.

What are the benefits of insuring my kitten?

There can be several advantages to insuring your kitten. This includes:

  • Early health coverage: kittens’ developing immune systems make them susceptible to health issues. Insuring them early ensures coverage for potential health conditions from the outset.
  • Cost-effective premiums: premiums for cat insurance are generally lower when your feline friend is young and healthy. This enables you to secure more affordable rates for the future.
  • Preventing pre-existing condition exclusions: insuring your kitten early helps avoid potential exclusions for pre-existing conditions. Any new health issues arising after policy initiation will be covered.
  • Uninterrupted coverage: insuring early guarantees continuous coverage as your kitten matures into an adult cat. This ensures ongoing protection for potential health needs throughout their life.
  • Peace of mind: having insurance in place provides peace of mind, knowing you’re financially prepared to provide the necessary care for your kitten's well-being.

Are there any limitations on my kitten pet insurance?

There may be limitations and exclusions on your pet insurance policy, such as:

  • Waiting periods: a set time that must elapse before coverage applies to certain conditions or treatments.
  • Age limits: age boundaries for coverage, usually starting at 6 to 8 weeks for kittens and extending up to 8 years old.
  • Annual benefit limits: the insurer’s maximum annual reimbursement.
  • Benefit percentage limits: the percentage of eligible expenses that the insurer will cover.
  • Excess: the amount paid out of pocket before insurance kicks in.
  • Specific treatments: certain treatments, procedures or elective services may be excluded from coverage.

What healthcare issues can kittens face?

Kittens, like puppies, are prone to specific health challenges and incidents due to their developing immune systems and innate curiosity. These factors can make them more susceptible to various conditions compared to adult cats. Common issues that kittens face, which may or may not be covered by pet insurance, include:

  • Upper respiratory infections
  • Gastrointestinal distress
  • Parasite infestations
  • Ear and eye infections
  • Accidental injuries

During their first year, young cats should also be vaccinated against diseases such as feline herpes virus, calicivirus and panleukopenia, and desexed to prevent unwanted litters and certain health issues.

Types of pet insurance you can choose from

Accident-only

This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions. 

Accident and illness

This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.

Comprehensive

This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.

Why compare pet insurance with Savvy?

Online fast approvals

100% free

Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.

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Compare in two minutes

You'll be able to compare offers online side by side in a matter of minutes before you buy.

A Range of Options

Choice of insurers

We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.

Frequently asked questions about pet insurance for kittens

Can I use any vet for my kitten?

Yes – in most cases, you can choose any licensed veterinarian for your kitten’s care when you have pet insurance. However, it is important to check and confirm with your insurance provider about their specific guidelines regarding veterinary choices.

Are there any breeds of kitten that cannot be insured?

Most insurance companies will only insure domesticated cats and certain cat breeds that are banned by the Australian government, such as Savannah Cat, Chausie Cat, Safari Cat and Bengal Cat, along with crosses of these breeds, are generally excluded from pet insurance coverage.

Can I change my pet insurance coverage as my kitten grows?

Yes – many pet insurance companies offer the flexibility to adjust your coverage as your kitten matures. As your kitten grows and their health needs change, rather than cancelling insurance, you may want to consider modifying your coverage to better suit their evolving requirements. However, it is important to check with your insurance provider to understand the options available for adjusting your coverage.