Kitten insurance with free 24/7 online vet & behaviourist support
Protect your kitten with Fluffy's pet insurance. Get up to £10,000 in coverage, and round-the-clock online veterinary support.
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Ensure your kitten's well-being with our dedicated and tailored insurance plans.
You can find out more about the policy by reading the Insurance Product Information Document and Policy Document.
Strelka LTD, trading as Fluffy, Firm Reference No. 986188, is an appointed representative of Innovative Risk Labs Ltd, which is authorised and regulated by the Financial Conduct Authority, Firm Reference No. 609155.
Discover the benefits of Fluffy's kitten insurance
Veterinary fees
Up to £10k
Includes a comprehensive range of medical treatments, from surgeries and medications to essential diagnostic procedures.
Dental Treatment (Accident)
Up to £750
Covers essential dental treatments resulting from unforeseen accidents.
Overseas Travel
12 Months
Extends equivalent veterinary care benefits for your kitten during travels within the EU, just as in the UK.
Complementary Treatment
Up to £750
Provides coverage for alternative therapies, aiding in both preventative care and post-operative recovery for your kitten.
Up to £1500
Compensates for the value of your kitten in cases of theft or if they wander away.
Missing Pet Advertising & Reward
Up to £1500
Reimburses expenses related to publicizing and offering a reward in the event your kitten is lost or stolen.
Multi-pet Discount
Up to 10%
Enjoy up to a 10% discount for each additional cat insured with us.
Death from Illness/Accident
Up to £1500
Ensures coverage in the unfortunate circumstance of your kitten's passing due to illness or injury.
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​Subject to the Terms and Conditions of the policy purchased. Please read the Insurance Product Information Document and Policy Document to be aware of cover limits and excess. Pre-existing conditions won’t be covered.
Puppy insurance that supports you every step of the way
Personalized Growth Plans
Receive expertly tailored growth and development plans for your kitten, updated weekly.
Free 24/7 online vet helpline
Access our round-the-clock veterinary helpline for complimentary consultations at any time.
Up to 50% Savings on Essentials
Benefit from significant discounts of up to 50% on a variety of cat foods, toys, and treats.
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How can I help keep my kitten healthy?
1
Regular Veterinary Check-ups
Schedule routine veterinary visits for vaccinations, parasite control, and overall health assessments.
2
Balanced Diet and Nutrition
Feed your kitten a high-quality diet suitable for their age, size, and health needs. Ensure fresh water is always available.
3
Routine Dental Care & Cleaning
Start a dental hygiene routine early, including regular teeth brushing and dental check-ups.
4
Mental Stimulation and Play
Provide toys and engage in daily playtime to keep your kitten mentally stimulated and active.
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Is cat insurance worth it for a kitten?
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Unexpected Medical Costs: Kittens, like all pets, can encounter unexpected health issues or accidents. Veterinary care can be expensive, especially for emergencies or chronic conditions. Insurance can help mitigate these costs.
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Peace of Mind: Having insurance provides peace of mind knowing that you're financially prepared for unforeseen medical expenses. This can be especially valuable for owners who would struggle to pay for expensive treatments out of pocket.
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Coverage for Routine Care: Some insurance policies offer coverage for routine care, like vaccinations, spaying/neutering, and regular check-ups, which are essential for kittens.
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Hereditary Conditions: Certain breeds are prone to hereditary conditions that might manifest later in life. Getting insurance when your pet is a kitten ensures coverage before any pre-existing conditions are diagnosed.
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Long-term Financial Planning: While the monthly or annual cost of insurance needs to be budgeted, it can be more manageable than facing a large, unexpected vet bill.
What are the types of puppy insurance?
The cost of kitten insurance can vary widely based on several factors. Here are some key elements that influence the price:
1. Location
Insurance costs can differ based on where you live. Urban areas often have higher veterinary costs, which can reflect in insurance premiums.
2. Breed
Some cat breeds are prone to specific health conditions and may cost more to insure. Purebred kittens typically have higher insurance rates compared to mixed breeds.
3. Age
While kittens generally cost less to insure than older cats, the price can increase as they age.
4. Health History
A kitten's health history can impact insurance costs. Pre-existing conditions are typically not covered and can affect the overall cost of the policy.
5. Coverage Type
There are different types of insurance policies, such as accident-only, comprehensive coverage, lifetime, and wellness plans. More comprehensive coverage generally costs more.
6. Deductible
Policies with lower deductibles or excess and higher reimbursement levels usually have higher premiums.
What does kitten insurance typically cover?
What is covered
Emergency Veterinary Care. Treatment for common kitten illnesses and injuries.
Chronic and Hereditary Conditions. Coverage for ongoing conditions that may affect your kitten over time.
Prescription Medications. Medicines prescribed by veterinarians for both acute and chronic conditions.
Diagnostic Testing. Includes blood tests, X-rays, MRIs, and other diagnostic procedures.
Surgery and Hospitalization. Coverage for surgical procedures.
What is not covered
Pre-Existing Conditions. Illnesses or injuries that occurred before the policy start date.
Preventive Care (Unless Specified). Routine procedures like vaccinations, flea control, or de-worming.
Breeding or Pregnancy. Costs associated with pregnancy, birthing, or breeding-related issues.
Grooming and Cosmetic Procedures. Nail clipping, grooming, or cosmetic surgeries like declawing.
Diet and Nutrition. Regular pet food, dietary supplements, and vitamins.
Does my kitten need insurance?
Deciding whether your kitten needs insurance involves weighing several considerations. Here's a breakdown of factors to help you make an informed decision:
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Pros of Getting Kitten Insurance
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Financial Security for Unexpected Costs: Veterinary care can be expensive, especially for emergencies or chronic conditions. Insurance helps manage these costs.
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Early Coverage: Insuring your kitten while they are young and healthy can prevent issues with pre-existing conditions, which are typically not covered if you wait to insure your pet later in life.
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Peace of Mind: Knowing you have financial support for medical treatments can alleviate stress and allow you to focus on your kitten's care.
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Cons of Getting Kitten Insurance
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Cost: Premiums add to the ongoing cost of pet ownership. For some, this expense may not be justified, especially if the kitten remains healthy and doesn't require extensive veterinary care.
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Coverage Limitations: Some policies have exclusions, like pre-existing conditions, certain breeds, or specific illnesses. Understanding what is and isn’t covered is crucial.
What alternatives to pet insurance are there for kittens?
1. Savings Account for Pet Care
Setting up a dedicated savings account for pet health care can be a practical alternative. Regularly depositing a set amount into this account can provide a buffer for unexpected veterinary expenses.
2. Wellness Plans from Vets
Some veterinary practices offer wellness plans. These typically include routine care like vaccinations, regular health check-ups, and sometimes discounts on certain services. However, they usually don't cover emergency treatments or serious illnesses.
3. Charitable Organizations
In some cases, charitable organizations can provide financial assistance for pet healthcare, especially for low-income families or in cases of emergency treatments.
When is it safe for my kitten to go outside?
Deciding when it's safe for your kitten to go outside depends on several factors, including their health, vaccination status, and overall safety of the outdoor environment. Here are key considerations:
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Age and Vaccinations: It's generally recommended to wait until your kitten is at least 4-6 months old before allowing them outside. By this age, they should have received their full course of vaccinations, protecting them against common diseases like feline leukemia virus (FeLV), feline immunodeficiency virus (FIV), and feline parvovirus (FPV).
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Spaying or Neutering: Before letting your kitten outside, it's advisable to have them spayed or neutered. This prevents unwanted litters and reduces the risk of certain health issues. This procedure is typically done around 4-6 months of age.
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Health Check: Ensure your kitten is healthy and has been checked by a vet. A healthy kitten is better equipped to adapt to new environments and defend itself.
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Parasite Prevention: Make sure your kitten is treated for parasites such as fleas, ticks, and worms. These treatments are critical if your kitten will be exploring outdoor areas.
How much is a vet visit for a cat without insurance UK?
The cost of a vet visit for a cat in the UK can vary significantly based on several factors, including the type of veterinary practice, the location, the reason for the visit, and the specific treatments or services provided. Without pet insurance, you will be paying out-of-pocket for these costs. Here's a general overview of potential costs:
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Basic Consultation Fee: The fee for a standard vet consultation can range from around £30 to £60. This cost can be higher in certain areas, particularly in larger cities or for emergency out-of-hours services.
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Vaccinations: Routine vaccinations for a cat might cost between £40 and £60 per year.
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Neutering or Spaying: The cost to neuter or spay a cat typically ranges from about £50 to £100, though this can vary.
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Emergency Treatments: Emergency veterinary care can be significantly more expensive. For instance, treating a cat involved in a road accident could cost several hundred to over a thousand pounds, depending on the severity of the injuries and treatments required.
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Diagnostic Tests: Blood tests, X-rays, ultrasounds, and other diagnostic procedures can range from £30 to £200 or more, depending on the type of test.
How early can you insure a kitten?
You can typically insure a kitten quite early, often starting from around 6 to 8 weeks of age. This age can vary slightly depending on the insurance company. Insuring a kitten at this young age can be beneficial for a few reasons:
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Coverage for Early Health Issues.
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Avoid Pre-existing Condition Exclusions.
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Lower Premiums.
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Peace of Mind: Early insurance.
What are the main health issues for kittens?
1. Upper Respiratory Infections
Common in kittens, these can include symptoms like sneezing, coughing, nasal congestion, and eye discharge.
2. Gastrointestinal Issues
Problems like diarrhea and vomiting can be caused by parasites, bacteria, viruses, or dietary indiscretions. Common parasites in kittens include roundworms, hookworms, and coccidia.
3. Feline Infectious Peritonitis
A more serious and often fatal viral disease that can affect cats, especially young kittens. It's caused by a mutation of a feline coronavirus.
4. Feline Leukemia Virus (FeLV)
Feline Leukemia Virus (FeLV) and Feline Immunodeficiency Virus (FIV) are serious viral infections that affect the immune system. Kittens can be born with these viruses if their mother is infected.
7. Ear Mites
A common problem in kittens, causing itching, ear discharge, and infections if left untreated.
5. Eye Problems
Kittens can suffer from various eye issues, including conjunctivitis (pink eye), corneal ulcers, and eye infections.
6. Fleas and Ticks
Kittens are susceptible to flea and tick infestations, which can lead to anemia, especially in very young or small kittens.
8. Dental Issues
While less common in very young kittens, dental problems can start early, especially if proper dental care isn't maintained.
9. Heart Defects
Some kittens are born with congenital heart defects, which can range from mild to life-threatening.
Latest articles about kitten insurance, health and well-being
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