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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.

Ensure your kitten's well-being with our dedicated and tailored insurance plans.

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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?


Regular Veterinary Check-ups

Schedule routine veterinary visits for vaccinations, parasite control, and overall health assessments.


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.


Routine Dental Care & Cleaning

Start a dental hygiene routine early, including regular teeth brushing and dental check-ups.


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?

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

Black and White Kitten

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.

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.

Cat Being Cozy

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:

Pros of Getting Kitten Insurance

  1. Financial Security for Unexpected Costs: Veterinary care can be expensive, especially for emergencies or chronic conditions. Insurance helps manage these costs.

  2. 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.

  3. Peace of Mind: Knowing you have financial support for medical treatments can alleviate stress and allow you to focus on your kitten's care.

Cons of Getting Kitten Insurance

  1. 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.

  2. 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:

  1. 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).

  2. 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.

  3. 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.

  4. 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.

Gray Kitten in the Town Square
Two British Kittens

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:

  1. 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.

  2. Vaccinations: Routine vaccinations for a cat might cost between £40 and £60 per year.

  3. Neutering or Spaying: The cost to neuter or spay a cat typically ranges from about £50 to £100, though this can vary.

  4. 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.

  5. 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:

  1. Coverage for Early Health Issues.

  2. Avoid Pre-existing Condition Exclusions.

  3. Lower Premiums.

  4. 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.

  • Is pet insurance worth it?
    Pet insurance is a valuable safety net, covering unexpected medical expenses. It provides peace of mind, ensuring your pet gets necessary care. It's especially beneficial for pets prone to health issues or accidents.
  • What is the cost of pet insurance?
    The cost depends on factors like your pet's age, breed, and coverage level. Basic plans are more budget-friendly but offer limited coverage. Premium plans cost more but provide comprehensive protection.
  • What pet insurance do vets recommend?
    Vets typically recommend comprehensive policies covering accidents, illnesses, and routine care. They suggest looking for plans with good coverage for chronic conditions. It's also advised to check for policies with minimal exclusions.
  • What does pet insurance cover?
    Accidents: Injuries and emergency treatments. Illnesses: From minor sickness to chronic diseases. Routine Care: Some policies include wellness visits and vaccinations.
  • Pros and cons of pet insurance
    Pros: Financial safety net for unexpected costs. Access to necessary treatments. Peace of mind for pet owners. Cons: Monthly premiums can add up. Exclusions like pre-existing conditions. Potential deductibles and co-pays.
  • Who has the best pet insurance?
    The best pet insurance varies based on individual needs. It's recommended to compare policies for coverage, exclusions, and customer reviews. Look for a balance of cost, coverage, and customer service reputation.
  • Which pet insurance that covers everything?
    No pet insurance covers 'everything,' but comprehensive plans come closest. They typically cover accidents, illnesses, and some wellness procedures. Always check for exclusions like pre-existing conditions and routine care limits.
  • How much is a vet visit for a dog without insurance?
    Costs can range widely, from basic consultation fees to hundreds for complex treatments. Emergency visits or surgeries without insurance can be particularly costly. Prices vary based on the procedure and location of the clinic.
  • What is a good annual limit for pet insurance UK?
    A good annual limit depends on your pet's potential health needs. In the UK, limits typically range from £1,000 to over £15,000. Higher limits offer more coverage but come with higher premiums.
  • Do vets charge more if you have insurance?
    Vets generally charge the same rates regardless of insurance status. Insurance helps owners afford more comprehensive care. It's more about coverage than cost differential at the vet.
  • What’s third party liability pet insurance?
    This covers costs if your pet causes injury to a person or damage to property. It's particularly important for dog owners. This insurance is a safeguard against legal liabilities.
  • How do vaccinations affect pet insurance?
    Keeping vaccinations up to date can lower pet insurance premiums. It reflects responsible pet ownership and preventive health care. Some insurers require up-to-date vaccinations for coverage.
  • What’s co-insurance or co-payment?
    Co-insurance is the percentage of a claim you pay after the excess is deducted. It's a way to share the cost of care between the insurer and the pet owner. Higher co-insurance can mean lower premiums.
  • Why are pedigree animals more expensive to insure?
    Pedigree pets often have a higher risk of inherited health conditions. They may also have higher value, increasing insurance costs. Insurers consider these factors when determining premiums.
  • Does my address matter for my pet insurance price?
    Yes, your location can affect insurance costs. Areas with higher vet fees typically have higher premiums. The risk of theft or straying can also vary by location.
  • Will property be covered if my pet damages it?
    Pet insurance usually doesn't cover damage to your own property. Third-party liability can cover damage your pet causes to others' property. Check your policy for specific exclusions.
  • Does pet insurance cover ‘cherry eye’ in dogs?
    Many insurers cover ‘cherry eye’ treatment if it's not pre-existing. Coverage depends on the specific policy and insurer. Always check for breed-specific condition exclusions.
  • Does pet insurance cover BOAS surgery?
    Coverage for BOAS (Brachycephalic Obstructive Airway Syndrome) surgery varies. Some insurers cover it if it’s not a pre-existing condition. It's important to check your policy's specifics.
  • How does my pet’s age affect pet insurance?
    Older pets often have higher insurance premiums. They are more likely to develop health issues. Age can also affect the availability of certain coverages.
  • Do I need to pay an excess for pet insurance?
    Most pet insurance policies require paying an excess. The excess is the amount paid out-of-pocket before insurance covers the rest. Choosing a higher excess can lower premiums.
  • Does pet insurance include kennel or cattery fees?
    Some policies cover kennel or cattery fees if the owner is hospitalised. This coverage is typically part of a more comprehensive plan. Always check the policy details for such benefits.
  • Can I get cover that starts immediately?
    Some insurers offer immediate cover for accidents. Illness coverage often has a waiting period. Check with your insurer for specific start times of coverage.
  • Is it better to pay for insurance annually or monthly?
    Paying annually can sometimes offer a discount. Monthly payments provide easier budgeting. Compare options to see which suits your financial situation best.
  • What should I do if my pet goes missing?
    Notify your insurer as many provide assistance for lost pets. Check if your policy includes advertising or reward costs. Also, inform local vets and animal shelters.
  • Will pet insurance cover life-threatening injuries or illness?
    Most pet insurance policies cover life-threatening conditions. This includes emergency surgeries and critical care. Check your policy for any limitations or exclusions.

Learn more about pet insurance with our expert guides


Pet Insurance 


Cat Insurance Guide


Dog Insurance Guide


You're now part of the family

James Auton

Fantastic, I'm totally blown away by Fluffy!

Helen Bradfield

I wish there were care plans like this for humans

Rebecca Freeman

After looking at twenty other options, I finally found the perfect one

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