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The pros and cons of kitten insurance


Jade Poole from I write words

Pros and Cons Kitten Insurance

You’ve just got yourself a cute, cuddly and healthy kitten so do you really need pet insurance? As with anything, there are benefits as well as some negatives. Grab a cup of coffee, and let’s take a look at the pros and cons of kitten insurance.

I’m often asked if I can look at pet insurance objectively since I have been in this industry for quite some time now. The thing is, there are always pros and cons to everything in life but more often than not, one side of the spectrum is always stronger

Let’s dive into the pros and cons of kitten insurance and see if the pros outweigh the cons or vice versa.

The pros

1.   You’re financially covered for routine care

Okay, this is only true for certain pet insurers, not all pet insurers cover routine care. But in the beginning, your kitten will require more routine appointments for getting mandatory vaccinations, booster shots, sterilization and any other regular check-ups. 

Kittens have slightly weak immune systems and are slightly more susceptible to illnesses like feline herpes. By having pet insurance, you’re covered from the get-go. 

Trust me, the smaller, more routine things in the beginning really do add up and having a decent pet insurance policy to assist, really saves you some cash. 

Take a look at this blog I wrote about common health problems in cats and how pet insurance can help.

2.   Kittens get themselves into trouble

I’m about to be super cheesy but have you ever heard about cats and their curiosity? 

Well, kittens love a little mischief and often do things they really shouldn’t be doing. I can’t tell you how many phone charges I have lost to my kittens. Kittens often chew on small objects, and electrical cables and they love knocking things off counters giving them access to many things they shouldn’t be eating like medication for example. 

Kittens often love to chew on random plants which could lead to poisoning and not to mention playing with all kinds of insects.  

It’s better to be safe rather than sorry when it comes to kittens because something is bound to happen and you’d rather be covered by pet insurance than stress about a variety of vet bills and medications.

3.   Kittens love to explore

If your kitten isn’t locked up inside all day, they’re bound to go on a little adventure at some point. Kittens lack the same awareness and reflexes that older cats tend to have which can result in an injury. This could either be from falling out of a tree or getting struck by a ca 

I hate to even think about a kitten getting hurt but it brings me some comfort knowing that I have comprehensive pet insurance in place should anything like that happen. 

You never know what can happen so rather be safe and have access to premium veterinary care when you need it without stressing about your budget.

4.   It’s better to get pet insurance from a young age

The younger your kitten is when you get insurance, the better. 

When you have an older cat, the chances of them having pre-exisiting conditions or illnesses are much higher. When you insure your kitty at a young age, they’re more likely to be covered for years to come.

The cons

1.   Premiums can increase 

Nothing is for free, unfortunately, and like most things, your monthly pet insurance premium can increase 

Pet insurers don’t just increase your monthly premium for no reason though (well, the reliable insurers don’t). It’s usually because your pet needs more cover as it gets older or because veterinary expenses have increased and your insurer needs to make sure they can still cover you adequately 

So even though it’s not my favourite thing to pay for more some months, I understand why it’s necessary.

2.   You might not need the cover every month

Even though you pay for pet insurance every month, you don’t always need it EVERY month. This isn’t a bad thing, if you have a healthy kitten that isn’t accident-prone and doesn’t need to visit the vet much, what a win! 

But accidents and illnesses do happen but they’re always unpredictable so I don’t about you but I just wouldn’t risk it by not having pet insurance.

3.   Not everything is covered

As much as I love all things insurance-related, T&Cs are not always my favourite (I’m pretty sure you can agree). But this is our downfall. The T&Cs usually outline everything that isn’t covered and where there may be a shortfall. Make sure you choose the right plan for you and know your insurance policy inside and out!

The list of exclusions will differ from pet insurers but one thing that is more than likely excluded is pre-existing conditions.

You can also read my blog about the pros and cons of puppy insurance here.

The biggest thing about life is that you never know what could happen - at any time. In this unpredictable life, I think it’s better to have some form of control which is why I always recommend pet insurance.

And I cannot recommend my pet insurer enough. Yup, that’s how confident I am that the pros outweigh the cons when it comes to pet insurance. Chat to my pet insurance company, they’ll go above and beyond to give you the best policy possible.


Until next time,

The Pet Insurance team
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