Kitten insurance

Provided by Pinnacle Insurance Ltd.

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 kitten insurance for those claws.

Our kitten pet insurance is able to be taken out from 8 weeks of age and with our Lifetime Pet Insurance, we can look after them well into cat-hood and beyond. It is quick and easy to get a kitten insurance quote, so find the best policy to suit you today (kitten insurance is covered under our cat policy).

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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 Argos kitten insurance?

Cover your kitten from 8 weeks old
Choose from 3 types of kitten insurance plans: Lifetime, maximum benefit and time limited
24/7 access to a qualified vet nurse team with Argos Vet Assistance
Full range of benefits and features (see them here)
We pay 98% of claims in 5 working days (Based on Argos Pet Insurance claims from February 2024 to March 2025)

See terms and conditions for full details of offer.

When to get pet insurance for a kitten

You should start thinking about pet insurance from the moment you start thinking about getting a kitten. That might seem a little presumptuous, but if you’re choosing a breed, it’s important to know that some breeds are susceptible to health issues which could lead to claims when they get older. You should think about being covered from the day you bring your kitten home as accidents and illness can happen at any time – 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 is the best kitten insurance for your new feline friend? At its heart, the best insurance for your kitten is one that suits both of you and your personal circumstances. You should choose a kitten insurance policy 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 kitten insurance, 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.

Remember, we have an upper age limit for insurance policies. You can insure your pets from 8 weeks old but for cats you cannot take out a new policy after their 10th birthday, for dogs their 8th birthday (5 years for some breeds, please see FAQs) and rabbits their 5th birthday. However, once purchased, cover can continue up to any age if you renew the existing policy, without a break in cover.

Your kitten insurance policy: What’s not covered

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 costs

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 is 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.

Got a question?

When you need kitten insurance support or have a question about your policy or our processes, our FAQs and Virtual Assistant can help.

Visit our FAQs

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 kitten insurance?

The price of pet insurance for kittens is determined by several different factors from 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 of kitten insurance costs, compare kitten insurance quotes for all cover types and levels and see which works for you. 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?

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

You’ll be super excited to be bringing your new kitten home but the above items are just some of the things you should consider for day 1 so you have everything you need.

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. For more information read our guide on letting your cat out for the first time.

Our top We Talk Kitten posts

Get top tips and fun bits about looking after your kitten from our veterinary experts.

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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 for each pet. 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: 33 Charterhouse Street, London, EC1M 6HA (registered in England and Wales, no 04109436). HIS act as an introducer to Pinnacle Insurance Ltd, 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: 4th Floor, Limelight, Elstree Way, Borehamwood, Hertfordshire, WD6 1JH (registered in England and Wales, no 01007798). HIS and Pinnacle Insurance Ltd are not part of the same corporate group.

We do not provide personal recommendations to customers.