Kitten insurance

20% discount off specialist pet insurance*

*Discount automatically applied. Available for new petGuard policies.

Pet insurance for kittens from petGuard

Protect your kitten with the right cover

From an early age, kittens are playful and inquisitive! It’s important that your kitten is protected should they wander or suffer an injury as a result of their curiosity. That’s where our pet cover can help!

Over 20 years of Guardcover, supporting your passion


Why choose our kitten insurance?

See how petGuard can protect you and your kitten

20 Years of Experience

We know what it takes to protect the things that matter to you.


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0% Monthly Payment

Spread your payments across the year at no extra cost.

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Our customer service team is ready to help you with all your questions.

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Your online account is an easy way to access and manage your policies 24/7.

Multi-pet Discount

Cover multiple pets on one policy, saving you time and money.

Pet insurance for kittens from petGuard

Why protect your kitten with petGuard?

Insure your kitten with petGuard to help make things easier. Take a look at what we can do to ease some of the stress of looking after your kitten.

Get a quote

How does our vet cover work?

Three different levels of vet fees cover for your kitten, £3,000, £6,000 or £12,000 towards your annual vet fees if your kitten is ill or has an accident. Excludes pre-existing conditions and any claims within the first 14 days of purchasing cover.

Need somewhere for your kitten to stay?

Suffered an accident that requires emergency treatment? If you can’t look after your kitten then we can cover the cost of daily minding or boarding fees of up to £1,500 while you’re on the mend.

Have more than one pet?

Include more than one kitten, cat or dog on the same policy and we’ll automatically include our multi-pet discount. You can include up to five pets on the same policy and they will each be covered for the same vet fee amount that you have chosen. Sorry, we can’t offer cover to dog or cat breeders.

Holiday cancelled last minute?

Have you had to cancel or cut your holiday short because your kitten is seriously ill? We can provide up to £5,000 towards the cost of a cancelled trip if your kitten has gone missing or fallen seriously ill. Exclusions apply to conditions and illnesses.

Need help looking for your kitten?

If your kitten is missing, then we’ll do what we can to help. Our cover includes the cost of missing pet posters, local advertising costs and even a £250 reward. Your kitten must have been missing for over 24 hours.


Optional extras for your kitten

Overseas Travel - We can help with the cost of vet fees abroad, as well as providing up to £1,500 to cover emergency expenses. Maximum 60 days cover per trip.

Some of the cat breeds that we cover

Find out which types of cat we cover

Frequently asked questions about pet insurance for kittens

Find out more about our pet insurance for kittens

Got a question about our cover for your kitten? Or want to know more about kittens in general? We’ve answered a few questions for you here!

If your kitten falls ill or suffers an injury, you’ll need to visit the vet. Vet bills can be expensive, so kitten insurance is there to help cover the costs. Some kitten insurance providers will cover you if your kitten passes away, gets lost or stolen, or if it causes damage to another person’s property.

It isn’t mandatory to buy kitten insurance. However, a lot of people think it’s worth considering. That’s because the average vet bill can be as much as £793, but that’s just for a one-off treatment. Imagine if your kitten were to develop a long-term health condition later in life. With kitten insurance or cat insurance in place, you can be reassured that you’ve got a financial safety net in place.

Even if your kitten spends its time indoors, it’s worth thinking about kitten insurance. Here’s why.

A kitten that lives indoors is likely to get less exercise than a kitten that’s allowed outdoors. If you think about it, the natural behaviour of a cat is to spend it’s time exploring and climbing. A cat that spends most of its time indoors doesn’t have as much freedom to do these things.

A lack of exercise can have a knock-on effect on your kitten’s health, too, especially if it starts to gain too much weight. An overweight cat is at greater risk of developing certain health conditions, including obesity, feline urinary problems, and exposure to household toxins.

There are several reasons why it’s worth considering kitten insurance:

Kittens have weaker immune systems - Just like a baby’s, the immune system of a kitten is quite weak while it develops. This means that they’re naturally more at risk of catching illnesses such as feline herpes until they get a bit older.

Curious kittens get up to mischief - Kittens often get themselves into danger as they explore their new home. It’s not unusual for your kitten to start chewing electrical cables or eating houseplants that are poisonous to them. They’re quite agile too, meaning it’s easy for them to climb onto high surfaces they then struggle to climb down from.

Car accidents - You’ve probably seen older cats lounging in the shade of a parked car. But while older cats know to jump to safety when the engine roars into life, naïve kittens often don’t – with nasty consequences.

Cheaper premiums - Pet insurance prices are based on several factors, one of which is your pet’s age. The younger the pet, the lower your premiums can be.

You shouldn’t have to worry about pre-existing conditions - Most pet insurance providers won’t cover your pet if it has a pre-existing health condition. So, if you get your kitten insurance early, with petGuard, and your kitten goes on to develop a health condition, you’ll be covered, longer-term, providing your pet policy is renewed without any gaps in cover.

Before you start looking for kitten insurance you should think about:

Your kitten's age

It can be harder getting kitten insurance if your kitten is under eight weeks of age. At petGuard we cannot provide cover for pets under eight weeks of age.

Existing conditions

petGuard will not cover your kitten if it has a pre-existing medical condition.

How many pets you have

Do you own more than one pet? If so, it’s worth including both pets on one single pet insurance policy. At petGuard, you can get our multi-pet discount if your pets are on the same policy.

We offer two types of kitten insurance, depending on the level of cover you require.

Accident Only

This type of kitten insurance offers a basic level of cover. It covers the cost of vet fees if your cat was to get injured in an accident. It does not cover you if your cat falls ill.

Accident and Illness

To ensure your kitten gets the widest possible range of cover, our Accident and Illness option will also cover illnesses. Importantly, our cover is specifically designed to provide cover for ongoing and longer-term illnesses, providing your cover is renewed and remains in place.

You might be surprised by how little kitten insurance can cost. Broadly speaking, the younger a cat is, the less you need to pay to insure it. You can also keep the cost down by choosing an accident-only policy, which covers your kitten against accidental injuries, but not illness.

Other factors can affect how much your kitten premiums are, including:

Where you live

Vet fees can vary depending on where you live. If you live in somewhere where vet fees tend to be higher, it’s likely your kitten insurance will cost more too.

How old your kitten is

It’s unlikely you’ll be able to insure your kitten if it’s less than eight weeks old. Kitten insurance then tends to get more expensive as your pet gets older.

What breed your kitten is

If your kitten comes from a pedigree breed, you’ll usually have to pay more to insure it. It’s also worth remembering that certain cat breeds are more prone to specific illnesses. Again, this is likely to make your kitten insurance premiums more expensive.

You never know when your kitten is going to have an accident or fall ill. So, it’s sensible to get your pet insured as soon as you can. If you leave it until after they fall ill, you won’t be able to cover your pet for that condition.

Note: petGuard won’t pay out any claims for pets under eight weeks of age

Have you recently introduced more than one kitten into your home? We know that the last thing you want when you’re looking after lots of kittens is any more worry. That’s why with our multi-pet insurance, you can include up to five kittens on one policy to save you hassle and money!

We do not insure cats that are used for breeding purposes and pre-existing illnesses and conditions are not covered.

With a multi-pet policy, you can include all your cats and dogs on the same policy and get a discount!

If you’ve got dogs and cats at home, then why not look at multi-pet insurance?

Instead of having each of your dogs and cats on different pet policies, with our multi-pet insurance you can save any hassle and take advantage of our multi-pet discount. You can cover up to five pets on one policy. We are unable to insure dogs and cats that are used for breeding purposes and pre-existing illnesses and conditions are not covered.

You can get cat insurance for your British Shorthair kitten through petGuard.

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You can get cat insurance for your Persian kitten through petGuard.

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You can get cat insurance for your Ragdoll kitten through petGuard.

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You can get cat insurance for your Siamese kitten through petGuard.

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You can get cat insurance for your Sphynx kitten through petGuard.

Click here to get a quote >

You can get insurance for your kitten as soon as possible. With our pet insurance, you can get cover for kittens from eight weeks of age.

We cannot cover claims arising from the first 14 days of your Accident and Illness cover starting and within 48 hours of your Accident Only cover starting. Pre-existing illnesses are not covered.

Many kittens begin to eat solid food from around three weeks of age. While the food is solid, it still needs to be easy for your kitten to digest. You can soak dry food in water or kitten milk to make it easier for your kitten to eat.

As your kitten reaches eight weeks of age, they should be eating five meals a day to help them grow. Cats and kittens are classed as obligate carnivores, meaning they need certain nutrients that are only found in meat.

Specially formulated food for kittens; either tinned food, dry food or cooked meat should be the best option for your kitten.

Some kittens will want to go outside and explore from an early age. Before you allow your kitten to go outside, it’s worth making sure that they’re fully vaccinated, spayed or neutered and are settled into your home.

You may also want to make sure that your kitten is:

  • Microchipped
  • Wearing an ID tag or collar to make them recognisable

If your kitten has gone missing for more than 24 hours while they’re exploring outside, then we can provide up to £1,500 in local advertising costs to help get your them home safely. We can even include a £250 reward for the safe return of your kitten.

Here are six reasons to consider taking out kitten insurance with petGuard:

  • We have over 30 years pet insurance experience.
  • All new policies come with a 20% Introductory discount.
  • We don’t penalise you for paying monthly – Interest Free direct debit payments available.
  • Our customer service and claims teams are based in the UK and always happy to help.
  • You can manage your account easily online.
  • We help you save money with multi-pet discounts if you’ve more than one pet.

Yes. Your petGuard Kitten Insurance lets you add extra protection to your policy if you travel abroad with your pets.

Overseas Travel cover

This covers the cost of vet bills if your kitten falls ill while you are both travelling in Europe and your pet is travelling under the requirements in the government’s Pet Travel Scheme. It also provides cover against the cost of holiday cancellation and/or the costs of quarantining. Maximum 60 days per trip.

We will not pay claims for any pet under eight weeks of age.

We will not pay claims for any pet being used for breeding purposes.

We will not pay for any pre-existing conditions that have been investigated, treated or you have seen symptoms of before your policy start date.

We will not pay claims under any section excluded on the policy schedule. Click here to find out more.

Your pet must be eight weeks old at the start date of cover. There is no maximum pet age to apply for this insurance, but there are age limits on cover sections.

Death due to illness is limited to pets under five years of age at the time of the incident. Full details are found in the policy wording.

Provided that you have chosen our Accident and Illness cover we will refresh your veterinary fees benefit each year allowing you to claim for ongoing conditions on your pet insurance for as long as we are able to offer a renewal and you renew without a gap in cover.

You can choose between three levels of vet fee cover for your kitten. These offer up to £3,000, £6,000 or £12,000 towards your annual vet fees if your kitten develops a health condition or gets injured.

This excludes pre-existing conditions and any claims within the first 14 days of taking out cover.

Emergency Boarding

We can cover daily minding or boarding fees up to £1,500, if you have to be hospitalised because of illness and are unable to look after your kitten.

Multi-pet Discount

If you include more than one pet on your policy, we’ll give you a discount. You can put as many as five pets on the same policy and they’ll each enjoy the same level of cover. We are unable to provide cover for either cat or dog breeders.

Holiday Cancellation

If your kitten was to fall ill or go missing, meaning you had to cancel a trip you’d paid for, we would be able to provide up to £5,000 towards recovering some of those up-front holiday costs. Certain exclusions apply.

Reward Costs

If your kitten goes missing for more than 24 hours, we offer up to £1,500 to cover advertising and reward costs, to help get your kitten back. That could include covering the cost of missing cat posters, or even paying out to cover the offer of a reward (maximum £250 towards the cost of a reward).

Yes. Depending on the type of cover you select we are able to cover treatment provided that it is related to an injury or illness.

No, we cannot provide cover for pets that are used for breeding. There are special policies for their specific risks, and we suggest you speak to your vet or local insurance broker for help finding suitable cover.

We offer a choice of three annual benefit levels. You can insure up to the chosen limit each year and provided that we are able to offer renewal and you renew without a gap in cover the benefit will be reinstated for the next period of insurance. This means that you can claim for chronic or ongoing conditions such as arthritis, diabetes, heart or skin conditions whilst the policy remains in force.

Yes. You must be a UK resident and domiciled in the UK.

Yes there is an excess you will need to pay in respect of each illness or injury for which you wish to claim each year. These are as follows:

Veterinary Fees

For each illness or injury arising during each period of insurance your excess will be:

  • For pets under eight years of age at time of treatment: The first £150.
  • For pets older than eight years of age at time of treatment: The first £150 plus 20% of the remaining cost of treatment.

Holiday Cancellation - The first £75 of the claim

Accidental Damage to Third Party Property The first £75 of the claim

Accidental Damage to Pet Accessories - The first £50 of the claim

Emergency Expenses - The first £50 of the claim

Third Party Liability The first £250 of property damage claim

We need some details about you and the pet you wish to insure together with either bank account or debit/credit card details for payment of the premium.

We look at a number of factors including the age and breed of the pet, the risk of chronic or recurring conditions associated with certain breeds, the area the pet lives in and any claims history.

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

This is something we are able to do provided that your vet is happy with this arrangement.

If you need to make a claim (excluding Third Party Liability claims), then feel free to contact our UK-based claims team. Once you've made a claim, we can keep you updated regularly by text or email.

Make your claim by either calling Covea Insurance on: 0333 130 4534 or email:

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

Travelling with your pet within the European Union is due to be affected by developments regarding Brexit. Her Majesty’s Government has clarified that until an agreement has been reached between the United Kingdom and the European Union you will need to follow the guidance set out below for any pet that travels overseas from 1st January 2021. More details on the current guidance and requirements for travelling abroad with your pet can be found in our section on How will Brexit affect travelling with my pet?

  1. Ensure your pet is microchipped
  2. Have your pet vaccinated against rabies. It is advised that your pet has a blood test at least 30 days after the rabies vaccination or booster to ensure the rabies antibodies are present
  3. Wait three months from the date the successful blood sample was taken before you choose to travel. You will need to ensure your vet gives you a copy of the test results and records the date the blood sample was taken on your Animal Health Certificate (AHC).

Please be advised that you will not be allowed to travel with your pet if you have not completed the steps above.

If your pet's blood test result is unfortunately unsuccessful, you’ll need to repeat the vaccination and the process above until it is successful before your pet is able to travel.

If you have any queries relating to any future travel you may have planned, please contact your vet. You can also view the Government guidance on pet travel here. It is important that you follow all up to date Government guidance when traveling abroad with your pet.

With our optional Overseas Travel cover, you can get travel insurance for your pet so that you don’t have to leave them behind when you head away. We can help with the cost of vet fees abroad, as well as providing up to £1,500 to cover emergency expenses (maximum 60 days of cover per trip). Overseas Travel can be a useful option if you are planning to take your pet on holiday with you, providing your pet complies with the Pet Travel Scheme (PETS). This allows you to travel with your pet to anywhere in Europe (including Channel Islands consisting of the Bailiwick of Jersey and the Bailiwick of Guernsey Isle of Man and the Republic of Ireland).

You can read more about our optional Overseas Travel cover and how Brexit is affecting travelling with your pets from January 1st here.

To help reduce the stress levels in your cat or dog, traveling by car or train is usually the better option. If you have no choice but to travel by plane, flying is still a safe option for your pet. However, traveling by car does allow pet owners to keep a much closer eye on their pets, with the added bonus of being able to pull-over for breaks as often as you want. When traveling by train or plane, there will be tighter restrictions on where your pet can sit, how often (if they can in fact) move around, and with more people traveling alongside you, your pet could become increasingly stressed.

Before traveling on any long journey, carefully consider what the best form of transport for your cat or dog would be, and how you feel they would cope on the journey.

Most airlines will allow you to take a cat or dog on the plane, either in the cabin or down below in cargo. Before booking your flight, check with the airline that they can in fact, fly your pet. You may have to book in advance, with some airlines charging additional fees for traveling pets.

Your pet will need pet travel documents before they can fly, as this will need to be presented to the airline when checking in your pet. Depending on where your pet is flying from and where they are flying to, they will need to have certain vaccinations and treatments for illnesses such as rabies or tapeworm. You will most likely need to proof of the vaccinations and treatment from your vet.

If you’re traveling abroad, or simply going away for a few days in the UK, it’s still a good idea to prep your pet for the journey. Such preparation measures could help reduce the stress levels in your pet, help you understand how best your pet travels, and help make the journey that little bit easier for both you and your pet.

  • Before taking your pet on any long car journey, take them on short drives close to home, while slowly increasing the amount of time spent in the car. This will not only help them get used to being confined in a car, but it could help them overcome travel sickness if they suffer from it.
  • Avoid feeding your cat or dog right before traveling, as the motion of the car, train or plane could upset their stomach. Make sure they have plenty of water, so they are well hydrated.
  • Before any long journey, consider the health of your pet. Are they fit and healthy enough to travel? Make sure they are up to date with their vaccinations and treatments and be sure to check if they need any additional ones, as this could be a requirement of certain countries or airlines.
  • To help ensure your pet is comfortable while traveling, make sure they have plenty of water, (food but depending how well they travel on a full stomach), toys to keep them occupied, and a comfortable place to sleep and rest. Most importantly, they need to be secured while traveling, whether it be in a crate that is large enough for them to sit in, stand and move around in, or strapped in using a proper pet seat belt for the car.

If you don’t want to take your cat or dog on holiday with you, then why not consider the following instead:

  • Leave your pet with a friend or family member
  • Have a qualified pet-sitter come around to your home, to feed, walk and check-up on your pet
  • Take your pet to a reputable kennel or cattery

Making a claim with petGuard

We’ve made making a claim so easy

If something has happened to your pet, then we're very sorry to hear it. If you find yourself needing to make a claim against your policy, then we'll tell you what your next steps are and how you can get in touch with us.

1. Get in touch

If you need to make a claim (excluding Third Party Liability claims), then feel free to contact our UK-based claims team. Once you've made a claim, we can keep you updated regularly by text or email. Make your claim by either calling Covea Insurance on: 0333 130 4534

Alternatively you can email:


2. Worried that your pet is lost or stolen?

Cat owners will need to contact local rescue centres within 24 hours of your cat going missing. Dog owners must contact the police immediately if you suspect your dog has gone missing or has been stolen.

3. Make your claim

If your claim has been successful, then we can pay the full amount either:

  • Straight into your bank account so you aren't left out of pocket, or;
  • To your vet if this is more convenient for you

All claims are handled in the UK by Covea Insurance. While your claim is being dealt with, you can receive regular updates on its progress via email or text message.


Your policy document explorer

Documents apply to all pet insurance policies purchased from 27/09/2020 onwards.

Existing customers: If you purchased your policy before the date shown above, you can log into your account where you can view, amend, and renew your documents here. If you have not already signed up for an account, then you can register here.

If you purchased your policy before 23rd September 2019, please contact us on: 0345 450 7042

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