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 kitten insurance
The difference is in the details
And details matter most when you’re in the ER at 2am with your kitten who swallowed your dental floss.
EMBRACE
FETCH
LEMONADE
PETS BEST
| PLAN FEATURES |  |
EMBRACE |
|---|---|---|
| No extended waiting periods |
Orthopedic issues are included in standard waiting periods |
6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage |
| 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 Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST |
| VetDirect Pay™ |
Can pay participating hospitals directly at checkout |
Can only pay wellness claims automatically |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting period for orthopedic issues, unless veterinarian-signed waiver submitted within first 30 days of coverage
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 Monday - Friday 8:30 a.m. - 8 p.m., Saturday 9 a.m. – 1 p.m., EST
VetDirect Pay™
Can pay participating hospitals directly at checkout
Can only pay wellness claims automatically
| PLAN FEATURES | |
FETCH |
|---|---|---|
| No extended waiting periods |
Orthopedic issues are included in standard waiting periods |
6-month waiting periods 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 Monday–Friday 9 a.m.–8 p.m., Saturday 10 a.m.–6:30 p.m. EST |
| Lifetime per-condition deductible |
Only meet your deductible once per condition for your pet's entire life |
Deductibles reset every policy term, potentially reducing lifetime coverage |
| No payout limits |
No annual or lifetime caps on eligible covered costs |
Annual payout limits apply to every plan tier |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting periods 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 Monday–Friday 9 a.m.–8 p.m., Saturday 10 a.m.–6:30 p.m. EST
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Deductibles reset every policy term, potentially reducing lifetime coverage
No payout limits
No annual or lifetime caps on eligible covered costs
Annual payout limits apply to every plan tier
| PLAN FEATURES | |
LEMONADE |
|---|---|---|
| No extended waiting periods |
Orthopedic issues are included in standard waiting periods |
6-month waiting period for cruciate ligaments or patellar luxation |
| 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. |
Offers phone support, but doesn't list its hours on their website |
| Lifetime per-condition deductible |
Only meet your deductible once per condition for your pet's entire life |
Single annual deductible that resets each policy term |
| Flexible deductible |
Pick a per-condition, lifetime deductible that works best for your lifestyle and budget |
Deductible cannot be less than $100 or more than $750 |
No extended waiting periods
Orthopedic issues are included in standard waiting periods
6-month waiting period for cruciate ligaments or patellar luxation
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.
Offers phone support, but doesn't list its hours on their website
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Single annual deductible that resets each policy term; options from $100 to $750
Flexible deductible
Pick a per-condition, lifetime deductible that works best for your lifestyle and budget
Deductible cannot be less than $100 or more than $750
| PLAN FEATURES | |
PETS BEST |
|---|---|---|
| VetDirect Pay™ |
Can pay participating hospitals directly at checkout |
No automatic process to pay veterinarians directly at checkout; direct pay requires cumbersome pre-approvals |
| 24/7 live support |
Real support, any hour. Critical emergencies get priority, so you're never waiting when it matters most. |
Live customer service only Monday–Friday 6 a.m.–7 p.m. MST and Saturday 6 a.m.–2 p.m. MST |
| Lifetime per-condition deductible |
Only meet your deductible once per condition for your pet's entire life |
Annual deductible that resets every year; options from $50 to $1,000 |
| No payout limits |
No annual or lifetime caps on eligible covered costs |
Unlimited payouts only if you select the higher-premium plan; lower-premium tiers are limited |
VetDirect Pay™
Can pay participating hospitals directly at checkout
No automatic process to pay veterinarians directly at checkout; direct pay requires cumbersome pre-approvals
24/7 live support
Real support, any hour. Critical emergencies get priority, so you're never waiting when it matters most.
Live customer service only Monday–Friday 6 a.m.–7 p.m. MST and Saturday 6 a.m.–2 p.m. MST
Lifetime per-condition deductible
Only meet your deductible once per condition for your pet's entire life
Annual deductible that resets every year; options from $50 to $1,000
No payout limits
No annual or lifetime caps on eligible covered costs
Unlimited payouts only if you select the higher-premium plan; lower-premium tiers are limited
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
