Kitten Insurance

Provided by Pinnacle Insurance plc

Bringing home a kitten? Well, you’re opening your world to a whole bunch of fun and fur, followed by some well-earned catnaps – maybe for both of you? Now we know their well-being is high on your priorities, so before you get them home, think about getting some cover for those claws.

Argos’ Kitten Insurance is there to protect your little kitty from 8 weeks of age and look after them well into cat-hood and beyond.

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Collage image that includes a close-up images of kittens along with the quote 'Kitten cover limits from £1000'

Why choose Kitten Insurance

Cover your kitten from 8 weeks old

Choose from 3 types of pet insurance for kittens: Lifetime, Maximum Benefit and Time Limited

24/7 access to a qualified vet team with Argos Vet Assistance

Full range of benefits and features (see them here)

See terms and conditions for full details of offer.

When should I think about Kitten Insurance?

Maybe you’re just thinking about getting a kitten and nowhere close to opening your heart to those four furry paws, but that’s precisely when you should think about insuring a kitten. That might seem a little presumptuous, but if you’re choosing a breed, know that some breeds are susceptible to health issues which could lead to claims when they get older.

It makes sense to think about pet insurance for your kitten before you bring them home because accidents and illness can happen at any time. Consider a kitten’s temperament, especially if you’re new to parenting, you may not be prepared. Kittens have bundles of energy which can sometimes lead to accidental injuries.

What pet insurance should I get for my kitten?

You’ve thought about cover, but what type of insurance do you get? What will be the best option for you and your kitten? The best kitten insurance varies from owner to owner, what’s the best for one owner won’t be for another. At its heart, the best insurance for your kitten is one that suits both of you. One that has a good level of cover for veterinary treatment and bills, and one that will be affordable to you, both now and in the future.

Argos has three types of Kitten Insurance for you to choose from: Lifetime, Maximum Benefit and Time Limited.

Lifetime Pet Insurance covers treatment up to a vet fee limit; this limit resets every year as long as you renew
Maximum Benefit covers new conditions up to a vet fee limit, reach the limit, and the condition is no longer covered
Time Limited covers new conditions up to a set vet fee limit for 12 months. Reach the limit or if the 12 months expires, whichever is first; then the condition is no longer covered

Each type of pet insurance comes with a range of features. So you can easily compare, we’ve created this table of benefits for you.

Time Limited

Lifetime

Maximum Benefit

Cover for 12 months or up to max amount, whichever occurs first… Policy Documents
Benefits
£2.5k	£4k
Veterinary Fees
Up to £2.5k per condition for 12 months	Up to £4k per condition for 12 months
Argos Vet Assistance

Argos Pet Portal

Death from illness
Up to £250	Up to £750
Death from Accident
Up to £250	Up to £750
Finding your Cat
Up to £250	Up to £750
Loss by theft or straying
Up to £250	Up to £750
Cremation & burial costs
Up to £200	Up to £200
Your Hospitalisation / Cattery fees
Up to £150	Up to £500
Holiday cancellation
Up to £250	Up to £1.5k
Emergency Expenses Abroad
Up to £150	Up to £500
Excesses Payable
£99 per condition	£99 per condition

Covers up to max amount each year… Policy Documents
Benefits
£1k	£3.5k	£7k
Veterinary Fees
Up to £1k per year	Up to £3.5k per year	Up to £7k per year
Argos Vet Assistance

Argos Pet Portal

Death from illness
Up to £750	Up to £750	Up to £1.5k
Death from Accident
Up to £750	Up to £750	Up to £1.5k
Finding your Cat
Up to £750	Up to £750	Up to £1.5k
Loss by theft or straying
Up to £750	Up to £750	Up to £1.5k
Cremation & burial costs
Up to £200	Up to £200	Up to £200
Your Hospitalisation / Cattery fees
Up to £500	Up to £500	Up to £1k
Holiday cancellation
Up to £750	Up to £750	Up to £3k
Emergency Expenses Abroad
Up to £500	Up to £500	Up to £1k
Excesses Payable
£99 per condition per year	£99 per condition per year	£99 per condition per year

Covers up to a max amount per condition… Policy Documents
Benefits
£2k	£5k
Veterinary Fees
Up to £2k per condition	Up to £5k per condition
Argos Vet Assistance

Argos Pet Portal

Death from illness
Up to £750	Up to £750
Death from Accident
Up to £750	Up to £750
Finding your Cat
Up to £750	Up to £750
Loss by theft or straying
Up to £750	Up to £750
Cremation & burial costs
Up to £200	Up to £200
Your Hospitalisation / Cattery fees
Up to £500	Up to £500
Holiday cancellation
Up to £750	Up to £750
Emergency Expenses Abroad
Up to £500	Up to £500
Excesses Payable
£99 per condition	£99 per condition

Time Limited Cover for 12 months or up to max amount, whichever occurs first…		Lifetime Covers up to max amount each year…			Maximum Benefit Covers up to a max amount per condition…
Benefits		Benefits			Benefits
£2.5k	£4k	£1k	£3.5k	£7k	£2k	£5k
Veterinary Fees		Veterinary Fees			Veterinary Fees
Up to £2.5k per condition for 12 months	Up to £4k per condition for 12 months	Up to £1k per year	Up to £3.5k per year	Up to £7k per year	Up to £2k per condition	Up to £5k per condition
Argos Vet Assistance		Argos Vet Assistance			Argos Vet Assistance

Argos Pet Portal		Argos Pet Portal			Argos Pet Portal

Death from illness		Death from illness			Death from illness
Up to £250	Up to £750	Up to £750	Up to £750	Up to £1.5k	Up to £750	Up to £750
Death from Accident		Death from Accident			Death from Accident
Up to £250	Up to £750	Up to £750	Up to £750	Up to £1.5k	Up to £750	Up to £750
Finding your Cat		Finding your Cat			Finding your Cat
Up to £250	Up to £750	Up to £750	Up to £750	Up to £1k	Up to £750	Up to £750
Loss by theft or straying		Loss by theft or straying			Loss by theft or straying
Up to £250	Up to £750	Up to £750	Up to £750	Up to £1.5k	Up to £750	Up to £750
Cremation & burial costs		Cremation & burial costs			Cremation & burial costs
Up to £200	Up to £200	Up to £200	Up to £200	Up to £200	Up to £200	Up to £200
Your Hospitalisation / Cattery fees		Your Hospitalisation / Cattery fees			Your Hospitalisation / Cattery fees
Up to £150	Up to £500	Up to £500	Up to £500	Up to £1k	Up to £500	Up to £500
Holiday cancellation		Holiday cancellation			Holiday cancellation
Up to £250	Up to £1.5k	Up to £750	Up to £750	Up to £3k	Up to £750	Up to £750
Emergency Expenses Abroad		Emergency Expenses Abroad			Emergency Expenses Abroad
Up to £150	Up to £500	Up to £500	Up to £500	Up to £1k	Up to £500	Up to £500
Excesses Payable		Excesses Payable			Excesses Payable
£99 per condition	£99 per condition	£99 per condition per year	£99 per condition per year	£99 per condition per year	£99 per condition	£99 per condition

Other Excesses

When your cat reaches 10 years old your excess will change from £99 to the greater of £99 or 20% contribution toward each vet claim made.

Please note that we won’t cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. Please note these values are subject to change. You can find out more about the terms of our cover in our policy documents.

What to know about Kitten Insurance?

Under 8 weeks old

Policies can start as soon as your kitten turns 8 weeks old. If your kitten turns 8 weeks old within 30 days, you can take out a policy and set the start date for the day they turn 8 weeks.

Kitten microchipping

While it is not the law to microchip your kitten (they’re free spirits and tend to roam), it is still recommended. If your cat were ever to go missing, the chip with your details could help you be reunited. The cost of microchipping your cat is not covered by insurance.

Kitten vaccinations

Your vet will advise on when your kitten should receive their vaccinations, this can be around 9 weeks of age and a booster around 3 months. The cost of vaccinations are not covered by insurance. Be aware, conditions that your kitten should be vaccinated against are not covered if you’ve failed to vaccinate.

Neutering your kitten

The cost of castrating or spaying your kitten is not covered by insurance.

Flea and worming treatment

You should think about flea and worming treatment and be aware that treatment will be ongoing throughout your kitten’s life. Flea and worming treatments are not covered as part of your insurance.

Conditions in the first 14 days

Conditions that your kitten comes down with in the first 14 days are not covered. After 14 days, you will be able to claim for any new conditions; it cannot be a condition that happened in those first 14 days.

Injuries in the first 3 days

Injuries or incidents of poisoning that happen to your kitten in the first 3 days are not covered. After 3 days, you will be able to claim for any new incidents, but it cannot be from an incident that happened in those first 3 days.

Excess

When your cat reaches 10 years old, your excess will change from £99 to the greater of £99 or 20% contribution toward each vet claim made. Please note these values are subject to change.

Frequently asked questions

Why should I get Kitten Insurance?

Pet Insurance could help to look after your kitten and your pocket if they ever suffer an illness or injury. Things can happen when you least expect it, so the last thing you want looming over you are veterinary fees when pet insurance could have covered it, or at least contributed to it.

There are also the benefits that come with your kitten’s pet insurance, Argos Vet Assistance can help give you real peace of mind. Our vet nurses are available 24/7 through chat or on the phone to talk you through any kitten concerns and offer health advice and pet parenting tips exactly when you need it.

How much is pet insurance for a kitten?

The price of Kitten Insurance is determined by several different factors including the breed of your cat down to where you live. Some cats are predisposed to certain health conditions, and while that may not necessarily be a factor when they’re a kitten, they could be as they grow up and mature.

To get a gauge on costs, get yourself some Kitten Insurance quotes for all cover types and levels and compare the quotes. Do some research on the breed, read some cat breed guides to get an understanding of health problems they might suffer from. Factor those into your selection process and you’ll find the right cover for now and the future.

What do kittens need when I bring them home?

The excitement, you’ve picked out your kitten and you’re bringing them home; but what do they need once they are home? Here’s some items you should consider for day 1 and so you’re not running to the nearest pet shop after the fact.

Cat carrier
Cat bed
Cat food – check with the breeder so you can carry on with the food they’re used to
Litter box
Grooming tools
Toys
Treats

When can kittens go outside?

Your kitten will be allowed outside after the waiting period from their vaccinations, your vet can advise you on when this will be. A free-spirited animal wants to roam, and that’s what a lot of kittens will want to do. As an owner, you shouldn’t let your cat out until that period is up, again, your vet will be able to advise when you can let them out unsupervised.

Terms and Conditions

Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month. Pets can have different cover levels. Discount deducted separately from any other offer.

Argos Limited is an Appointed Representative of Home Retail Group Insurance Services Limited (HIS). HIS is authorised and regulated by the Financial Conduct Authority (register number 314050). Registered office: 489-499 Avebury Boulevard, Milton Keynes, MK9 2NW (registered in England and Wales, no 04109436). HIS act as an introducer to Pinnacle Insurance plc, who sell, administer and underwrite the policy and who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX (registered in England and Wales, no 01007798) . HIS and Pinnacle Insurance plc are not part of the same corporate group.