Kitten insurance might not be your highest priority when welcoming a new ball of utter delight, but should it be?

You can’t beat a cat when it comes to curiosity. In addition to this, the case is the same regardless of how well-behaved the kitten is. As it grows, its tendency to explore and inquisitiveness surges up to a whole new level.

This might end up leading to accidents and conditions that are more dangerous than adorable, as many perceive. And, when it happens, pet insurance becomes a precious commodity.

Don’t assume kittens don’t need insurance. Emerald Pet provides cover from just eight weeks old so you can ensure future medical conditions are covered. Call us today for a quote.

Insurance policies are a safety net that safeguards and protects you and cover unexpected vet fees. As much as an insurance policy is popular when it comes to dogs, it is equally useful to insure get a kitten insurance policy. So, please make sure to insure pet!

Should I Insure My Kitten?

It’s no question whether or not we think you should get a pet insurance policy, but allow us to shed some further light!

While it is true that most pets are prone to accidents or illnesses during old age, it should not be an excuse not to get a pet insurance policy.

Not getting a kitten insurance policy while your kitten is young can cost you in the long run.

Not only does insurance policy at a young age keep them safe, but it also provides assistance considering that you may face numerous reasons to take vet trips, which are only common when kittens are young.

Lifetime pet insurance works by covering new conditions that a pet develops during the cover. Therefore if you only get pet insurance when a pet is old most insurers will exclude pre-existing conditions. Buying early means you are protected against future conditions.

How Much Is It To Insure A Kitten?

Young pets are at a much lower risk than older pets and so kitten insurance tends to be very cheap, especially as cats are also lower risk than dogs.

Your actual premium will vary based on factors like breed and your location – since the cost of claims will depend on vet fees in your area.

Your premium is likely to go up each year as you renew – especially if you make a claim. However, in recent years average pet insurance premiums have only gone up a small amount compared to the average cost of claims.

Also, Emerald Pet has consistently proved itself to be a great value policy when we perform price comparisons with other leading brands.

There’s little doubt your kitten insurance will be cheaper than most pet insurance policies. But when deciding on pricing don’t forget the cost of the alternative – going without insurance.

The average pet insurance claim amounts up to £793. However, it can conveniently amount to thousands if your cat develops a recurring illness condition.

If you are not sure whether a pet insurance policy is worth it, we suggest you consider how you would face an unexpected bill. Well, if you ask us, you will need to balance alongside the cost of your premiums and the likelihood of making a claim. We, at Emerald life, offer insurance policy cover with four levels up to £7,500.

Is Cat Insurance Worth It For An Indoor Cat?

Sure, an indoor cat is not subject to as many accident or illness opportunities as an outdoor cat, such as injuries from encountering cars or eating poisonous food. However, this does not mean that they are safe from everything. Indoor kitties can also develop common illnesses such as cardiac issues, diabetes, or kidney disease. Hence, you should still consider buying a kitten insurance policy for your indoor cat.

What Can Cat Insurance Cover?

Like with any other form of insurance, the terms and conditions of pet insurance policies can vary. Therefore, it is very important to go through the fine print on your pet insurance policy thoroughly.

Emerald Life offers many useful options, coupled with flexible terms when it comes to pet insurance. It offers four levels of annual vet fees covering, ranging from £1k, £3 up to £7.5k. This includes complementary treatments for annual covering up to 25% and clinical debts of around £200. Other than this, there is training and behavioral coverage, which amounts up to £200.

Here is more you can add to the pet insurance policy:

  • Flexible add-ons
  • Optional third party liability and overseas travel cover
  • Optional cover for theft, including advertising and reward costs

What Do The Types Of Pet Insurance Cover?


This is the most comprehensive type of kitten insurance one could get as it allows owners to pay a premium every year. The insurer is obligated to cover you no matter what age your pet is and if your pet develops conditions while it is insured then those conditions should be covered.

However, please note that as the pet gets older, the premiums will most likely go up.


The policy allows you to pay for 12 months’ worth of cover. In addition, it also provides you an option to shift to cheaper insurance for pet policy. While this type of policy might cost this, it is not comprehensive at all, considering that it does not cater to the pre-existing conditions of the pet. As a result, you will have to face a lot of struggle when you reach a point of finding insurance policy as and when your pet gets older.

Accident only

This is regarded as the basic and perhaps, the cheapest of all the covers available. It is important to note that this type of pet insurance policy only covers accidents and not medical illnesses.

What Other Things Should One Be Aware Of Before Getting A Pet Insurance?

Age of your pet

It can be quite challenging to find pet insurance policies that cover for both older dogs and cats. Some insurers will only consider giving up the policy if the pet is under 8 or 9 years old. This is why it is always wise to consider purchasing a lifetime policy when you want to cover a pet that is young.

While we agree that it isn’t the cheapest option out there, it, however, if you don’t have the financial services, it ensures to cover you quite substantially, even for long-term medical illnesses.

Pre-existing conditions

Secondly, it is important to declare any pre-existing conditions so that the policy could cover when you are applying for kitten insurance or be prepared for the policy to get void. You may end up finding a company that is ready to cover you if your pet comes with a pre-existing condition.


This refers to an amount that you agree to cover on your own, that too, as an upfront payment. Also widely known as a ‘co-insurance excess,’ it can get pretty expensive to cover in case you are paying big veterinary bills.

However, in Emerald life, customer satisfaction and comfort is our topmost priority. We demand a premium for kitten insurance depending upon the type of pet and its age.

For cats:

  • Under 8 years, you are required to pay the first £85 of veterinary fees to claim per condition that arises each period of insurance.
  • Over 8 years, the amount increases to £95 plus 15% of the remaining cost at the date of treatment.

For more information regarding insurance or if you want to renew your policy, please feel free to reach out to us!

At What Age Is A Kitten No Longer A Kitten?

Kittens tend to grow up very quickly. At 26 weeks old, you will see your kitten reaching puberty. Technically speaking, your kitten is no longer a kitten as soon as it crosses 12 months (52 weeks old). After 12 months, your kitten is an adult cat, as it has fully developed body systems.