Kitten insurance for all breeds
Your kitten has
big plans
Your kitten has big plans
Curious, fearless, and convinced no leap is too high. Thankfully, Trupanion kitten insurance covers up to 90% of vet costs with no payout limits, so the answer to care for whatever they get into can always be yes.
1 in 2 kittens need unexpected veterinary care before their first birthday.
Young cats are curious, fearless, and still learning what is (and isn't!) safe to eat, chew, or chase. Unexpected care isn't rare. It's routine.
Is kitten insurance worth it?
Year one is full of surprises
Starting coverage early means that when your kitten gets a bit too curious, you can give them the veterinary care they need.
Mixed breed, 12 months
Parasite complications
After just a few days in her new home, Kali developed severe pneumonia from an undetected parasite that required hospitalization.
Kali, member since 2013
mixed breed, 5 months
Unexpected diabetes diagnosis
Jagger was only a few months old when he suffered from diabetic ketoacidosis, resulting in hospitalization. Fortunately, he is covered for this condition for life.
Jagger, member since 2014
teacup Persian, 2 months
Surprise illnesses and allergies
At just 8 weeks old, Gator suffered from diarrhea, enteritis, and an allergic reaction to medication that kept her in the hospital for days.
Gator, member since 2012
$3,798
Paid by Trupanion
$12,977
Paid by Trupanion
$4,672
Paid by Trupanion
Mixed breed, 12 months
Parasite complications
After just a few days in her new home, Kali developed severe pneumonia from an undetected parasite that required hospitalization.
Kali, member since 2013
$3,798
Paid by Trupanion
mixed breed, 5 months
Unexpected diabetes diagnosis
Jagger was only a few months old when he suffered from diabetic ketoacidosis, resulting in hospitalization. Fortunately, he is covered for this condition for life.
Jagger, member since 2014
$12,977
Paid by Trupanion
teacup Persian, 2 months
Surprise illnesses and allergies
At just 8 weeks old, Gator suffered from diarrhea, enteritis, and an allergic reaction to medication that kept her in the hospital for days.
Gator, member since 2012
$4,672
Paid by Trupanion
enroll in kitten insurance early
Why enrolling while they’re young matters
Starting coverage early means you are prepared for every swallowed hair tie, eaten plant, and missed landing that comes with life with a kitten. And at the best price possible.
Lower pricing
Start kitten insurance young and save over time
Kittens are usually the least expensive pets to insure, so the younger the better. Enrolling before conditions appear means the tummy aches, limps, and mystery swallowed objects that come later are covered.
Pre-existing conditions
Full protection for all of life’s surprises
Right now the only thing on your kitten's chart is likely a vaccine reminder. Coverage protects what comes after you enroll, so the sooner you start, the more of that wild and wonderful life stays open to protection.
Hereditary & congenital conditions
Certain conditions come with their breed
Heart disease in Maine Coons, polycystic kidney disease in Persians, and other inherited conditions can take years to show up. You can’t prevent them, but you can be covered for them before trouble starts.
Accidents happen
Kittens are professional troublemakers
A shoelace, a houseplant, a leap that overestimated the distance to the counter, kittens have no concept of self preservation. This is why 1 in 2 need unexpected vet care before their first birthday. Enrolling early means you are ready wherever the mischief leads.
The kitten pricing
advantage
The kitten pricing advantage
Everything is new right now, and every day brings a first. This is also when your kitten is least expensive to insure, so protecting them today means far less out of pocket later.
Everything is new right now, and every day brings a first. This is also when your kitten is least expensive to insure, so protecting them today means far less out of pocket later.
what does KITTEN insurance cover?
Coverage as fearless as they are
Your kitten doesn’t believe in gravity, and neither should their pet insurance coverage.
COVERED
NOT COVERED
Accidents & illnesses
Emergencies, illnesses, and the chronic conditions that stay for life are all covered
Prescriptions & supplements
Medications and supplements prescribed to treat a covered condition, including the long term prescriptions that come with urinary and kidney disease and allergies
Diagnostic tests
X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more are covered when ordered by your vet
Emergency treatment
Kittens like to save their emergencies for 2 a.m. Like our customer care team, emergency care is available at any hour, at any hospital or clinic.
Dental
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Cancer
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Veterinary specialists
Treatment and diagnostics from any veterinary specialist, including cardiology and internal medicine. No referral needed.
Breed-specific conditions
Hypertrophic cardiomyopathy, polycystic kidney disease, brachycephalic conditions in flat faced breeds. Every breed welcome.
Hereditary conditions
Conditions that your kitten is genetically prone to are covered just like any other illness
Emergencies, illnesses, and the chronic conditions that stay for life are all covered
Medications and supplements prescribed to treat a covered condition, including the long term prescriptions that come with urinary and kidney disease and allergies
X-rays, MRIs, CT scans, ultrasounds, bloodwork, and more are covered when ordered by your vet
Kittens like to save their emergencies for 2 a.m. Like our customer care team, emergency care is available at any hour, at any hospital or clinic.
Tooth extractions, abscesses, fractures, gum disease, and accidental injuries
Diagnosis, treatment, chemotherapy, radiation, surgery are covered no matter the cost
Treatment and diagnostics from any veterinary specialist, including cardiology and internal medicine. No referral needed.
Hypertrophic cardiomyopathy, polycystic kidney disease, brachycephalic conditions in flat faced breeds. Every breed welcome.
Conditions that your kitten is genetically prone to are covered just like any other illness
Wellness & routine care
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Pre-existing conditions
Anything your kitten had or showed signs of before coverage started isn't eligible
Vet exam fees & taxes
These costs are easier to plan for ahead of time with your kitten, so they fall outside your policy
Preventable conditions
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
Everyday care like parasite prevention, spaying and neutering, and vaccinations are not included
Anything your kitten had or showed signs of before coverage started isn't eligible
These costs are easier to plan for ahead of time with your kitten, so they fall outside your policy
Preventable issues, like certain parasites and dental problems from missed cleanings, aren't covered
How VetDirect Pay™ works
You take care of your kitten. We’ll take care of the rest.
Your kitten spends the whole visit deciding whether to forgive you for putting them in the carrier. That should be the hardest part of the day. That’s why we can pay our share at checkout, often in seconds, so you can focus on their healing.
Go to any veterinarian
Choose any licensed vet, specialist, or ER clinic in the US, Puerto Rico, or Canada
We handle the bill
Your vet bill is paid instantly at checkout, with no need to file a claim yourself
Covered for life
The condition(s) treated stays covered as long as you're a member
See how VetDirect Pay™ helped Rexford
covered over $19,000 for Urinary obstruction
"When my cat, Rexford, became ill, it was a great relief knowing I had Trupanion. It allowed me to focus on Rex and get him the care and treatment he needed without worry. Rexford required multiple surgeries and extended hospitalizations; to know that we had the support of this wonderful company was such a comfort. I will never have a pet not covered by Trupanion."
Juliana H., Gwynn Oak, MD
Compare Trupanion
Details matter
Especially when you’re in the ER at 2am with your puppy who swallowed part of their favorite stuffy.
PETS PLUS US
PET SECURE
FETCH
SPOT
| PLAN FEATURES |  | PETS PLUS US |
|---|---|---|
| VetDirect™ Pay | Can pay participating hospitals directly at checkout |  Operates on a reimbursement model where you pay upfront and then wait for a cheque |
| Flexible deductibles | Select a deductible that works for your budget | Has limited choices in deductibles and will increase the cost based on pet age |
| Restricted coverage for unlucky pets | Pre-existing conditions not covered, but new conditions are still eligible for coverage | Pets with certain conditions prior to enrollment are restricted to accident-only coverage |
| No payout limits | No caps on what we will pay | Caps payouts at $7,500 and $15,000, depending on specific plan |
| 24/7 live support | Real support, any hour. Critical emergencies get priority, so you're never waiting when it matters most. | Has specific call hours from 8AM - to 8PM EST and is closed on weekends |
VetDirect™ Pay
Can pay participating hospitals directly at checkout
Operates on a reimbursement model where you pay upfront and then wait for a cheque
Flexible deductibles
Select a deductible that works for your budget
Has limited choices in deductibles and will increase the cost based on pet age
Restricted coverage for unlucky pets
Pre-existing conditions not covered, but new conditions are still eligible for coverage
Pets with certain conditions prior to enrollment are restricted to accident-only coverage
No payout limits
No caps on what we will pay
Caps payouts at $7,500 and $15,000, depending on specific plan
24/7 live support
Real support, any hour. Critical emergencies get priority, so you're never waiting when it matters most.
Has specific call hours from 8AM - to 8PM EST and is closed on weekends
| PLAN FEATURES | | PETSECURE |
|---|---|---|
| VetDirect™ Pay | Can pay participating hospitals directly at checkout | Operates on a reimbursement model where you pay upfront and then wait for a cheque |
| No penalty for filing claims | Your rate and coverage will not change simply because your pet gets sick or injured | May adjust your coverage if you file too frequently or too many claims |
| Flexible deductibles | Select a deductible that works for your budget | Limited deductible choices that are tied to the age of your pet |
| Will not suddenly drop or change coverage | Offers coverage for the life of your pet | Reserves the right to cancel or change coverage at any time |
| 24/7 live support | Real support, any hour. Critical emergencies get priority, so you're never waiting when it matters most. | Has specific call hours on weekdays and is closed on Sundays |
VetDirect™ Pay
Can pay participating hospitals directly at checkout
Operates on a reimbursement model where you pay upfront and then wait for a cheque
No penalty for filing claims
Your rate and coverage will not change simply because your pet gets sick or injured
May adjust your coverage if you file too frequently or too many claims
Flexible deductibles
Select a deductible that works for your budget
Limited deductible choices that are tied to the age of your pet
Will not suddenly drop or change coverage
Offers coverage for the life of your pet
Reserves the right to cancel or change coverage at any time
24/7 live support
Real support, any hour. Critical emergencies get priority, so you're never waiting when it matters most.
Has specific call hours on weekdays and is closed on Sundays
| PLAN FEATURES | | FETCH |
|---|---|---|
| No extended waiting periods | Cruciate ligaments and patellar luxation are included in standard waiting periods | 6-month waiting period for any treatment of cruciate ligaments or patellar luxation - can be waived with vet exam only |
| VetDirect Pay™ | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly |
| 24/7 live support | Real support, any hour. Critical emergencies get priority, so you're never waiting when it matters most. | Live customer service available Mon - Fri 9AM - 8PM, Sat 10AM - 6:30PM EST. Closed Sundays |
| Lifetime per condition deductible | Only meet your deductible once per condition for the life of your pet | Deductibles reset every policy term, potentially reducing lifetime coverage |
No extended waiting periods
Cruciate ligaments and patellar luxation are included in standard waiting periods
6-month waiting period for any treatment of cruciate ligaments or patellar luxation - can be waived with vet exam only
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly
24/7 live support
Customer care available 100% of the week, 365 days a year
Live customer service available Mon - Fri 9AM - 8PM, Sat 10AM - 6:30PM EST. Closed Sundays.
Lifetime per condition deductible
Only meet your deductible once per condition for the life of your pet
Deductibles reset every policy term, potentially reducing lifetime coverage
| PLAN FEATURES | | SPOT |
|---|---|---|
| No payout limits | No cap on what is paid out for your pet no matter the cost | Plans come with annual benefit limits unless you opt for the more expensive unlimited coverage |
| VetDirect™ Pay | Can pay participating hospitals directly at checkout | No automatic process to pay veterinarians directly in any matter |
| Flexible deductible | Choose a per condition deductible that works best for your lifestyle and budget | Deductible cannot be less than $100 and resets annually |
| No payout limits | Customer care available 100% of the week | Live customer service only available Mon - Fri 8AM - 8PM, Sat 9AM - 5PM EST. Closed Sundays |
No payout limits
No cap on what is paid out for your pet no matter the cost
Plans come with annual benefit limits unless you opt for the more expensive unlimited coverage
VetDirect™ Pay
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly in any matter
Flexible deductible
Choose a per condition deductible that works best for your lifestyle and budget
Deductible cannot be less than $100 and resets annually
24/7 live support
Customer care available 100% of the week
Live customer service only available Mon - Fri 8AM - 8PM, Sat 9AM - 5PM EST. Closed Sundays
Comparison information above is provided using publicly available information as of 07/15/2026 and is only meant to summarize program features, not a specific plan. Review each provider's plan terms for more details. We work to provide fair and accurate comparison information. If you are aware of any inaccuracies, please email us at info@trupanion.com.
Your kitten can’t prepare for what’s coming. But you can.
Your kitten can’t prepare for what’s coming. But you can.
Your kitten has already handed the worrying to you and gone back to plotting their next houseplant attack. Setting up their kitten coverage takes about two minutes and comes with a 30-day money-back guarantee, so all that spunk is protected for life.
Your kitten has already handed the worrying to you and gone back to plotting their next houseplant attack. Setting up their kitten coverage takes about two minutes and comes with a 30-day money-back guarantee, so all that spunk is protected for life.
Kitten insurance questions
Common questions about kitten insurance
