Pet insurance for kittens
Bringing home a new kitten is a wonderful time. They’re playful, curious and bring lots of energy to the household. However, they can quickly find themselves in a spot of trouble.
Lots of common conditions can become pre-existing conditions, meaning if you haven’t insured your kitten before they occur then your pet cannot be covered for that condition if it reoccurs. That’s why, insuring your kitten while it’s young and healthy is important.
What's covered in this page:
- Vets describe the common health issues for kittens
- Tips on choosing the right cat insurance covers for your kitten
- Understanding Vets Choice insurance for kittens
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Why choose Vets Choice Pet Insurance for kittens?
Association Endorsed
Endorsed by the Australian Veterinary Association...
Multi-pet discount
5% discount offered when more than one pet is insured...
No Claims Bonus
You can be rewarded for keeping your pet in good health. Your policy premium can be reduced by up to 5% if you keep your dog or cat healthy and you have no claims during your annual policy period.
Dental Cover
Like humans, dental work for animals can be costly. As pets use their mouth for more than just eating, they run a high risk of incident and disease. More than 80% of dogs and 70% of cats over three years old have some form of periodontal disease according to Vet West hospitals. Dental disease is seen frequently in animals over three years of age, and puppies and kittens who tend to have more fragile teeth. You can get cover for dental accident & illness, and also routine care.
Our Pet Insurance Plans
Choose sensible and make the decision that best suits your circumstance. With Vets Choice you can choose between two main levels and of, and also add-on some extras like dental.
Pro Cover
- Cover for both specified accidental injuries & illnesses
- Claim up to $12,000 per year
- 80% covered1
- Choice of excess
Excess options of $200, $350, or $500 - Cover from 8 weeks old and younger than 9 years old
- No claims bonus
- OptionalDental accident and illness
- OptionalDental routine careIncludes dental check-ups, teeth clean and polish and certain preventative items such as dental diets, chews and treats, sprays and gels, and toothbrushes (where accepted by the Veterinary Oral Health Council)
- OptionalExtra cruciate ligament coverChoice of $3,300 or $5,300 per pet
Elite Cover
- Cover for both specified accidental injuries & illnesses
- Claim up to $15,000 per year
- 80% covered1
- Choice of excess Excess options of $200, $350, or $500
- Cover from 8 weeks old and younger than 9 years old
- No claims bonus
- OptionalDental accident and illness
- OptionalDental routine careIncludes dental check-ups, teeth clean and polish and certain preventative items such as dental diets, chews and treats, sprays and gels, and toothbrushes (where accepted by the Veterinary Oral Health Council)
- OptionalExtra cruciate ligament coverChoice of $3,300 or $5,300 per pet
1. Pre-existing conditions are excluded. Exclusions, limits and sub-limits may apply.
Tips for choosing the right insurance for your Kitten
If you're looking for the best pet insurance for your kitten you really have to look closely at the policies available, what they include and also don't include, and the sub-limits on some of the accident and illness covers because not everything is covered to the full annual policy limit.
- Be aware of sub-limits – While a cheap monthly premium can seem appealing, its more important to look at the sub-limits for cover in the policy to make sure you’re not leaving your pet underinsured or uninsured for conditions their breed may be prone to.
- Look after your pets teeth – When we think of protecting our pets, we should also protect their teeth. Pets use their mouth for lots of things; playing, exploring their surroundings as puppies and eating. Dental treatments are expensive, and dental cover is an important add-on that can help keep your pets smile happy and healthy.
- Take advantage of gap payments – Some pet owners tend to opt for insurance plans with no gap payments to avoid out-of-pocket expenses. However, if you take out a policy with gap payments, it can actually help bring down the premium on higher-coverage products. In other words, gap payments are one way to help make the overall cost of your pet's insurance policy more affordable.
Request a kitten insurance quote
If you're looking for the best pet insurance for your kitten you really have to look closely at the policies available, what they include and also don't include, and the sub-limits on some of the accident and illness covers because not everything is covered to the full annual policy limit.
Common health issues for Kittens
While kittens might seem at their healthiest when they’re young, they’re still prone to sickness and injury. Below are some of the common things Australian vets treat kittens for.
Ingestion of a poisonous substance resulting in toxicity treatment
Many people are unaware that Lily flowers are lethally toxic to kittens and cats.
Licking pollen, ingesting any part of these plants, drinking the water from the vase, or just having exposure to these flowers can be deadly. Veterinary care must be sought.
Do we cover it?
Pro policy - ✓ Yes
Elite policy - ✓ Yes
Ingestion of a foreign body
Kittens are very playful and curious, this can sometimes lead to them accidentally ingesting items while playing with them, common intestinal foreign bodies in kittens include:
Hair ties / elastic bands, string / thread, tinsel, parts of cat toys / plastic.
These items once ingested cause intestinal blockages that require emergency surgical removal.
Do we cover it?
Pro policy - ✓ Yes
Elite policy - ✓ Yes
Feline Calicivirus
A highly contagious and airborne virus that causes upper respiratory infections and oral infections in kittens and cats.
Must have proof of F3 or higher vaccination in the last 12 months for coverage.
Do we cover it?
Pro policy - ✓ Yes
Elite policy - ✓ Yes
Urinary Tract Diseases
There’s a range of urinary diseases that cats and kittens can develop, and can be caused by anything from stress to environmental factors. If your kitten/cat is having any issues urinating, or is unable to urinate, it is a medical emergency and immediate Veterinary Care must be sought.
Do we cover it?
Pro policy - ✓ Yes
Elite policy - ✓ Yes
This information general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you.
Claim in 3 easy steps
We offer both a post-care claims process or, a pre-approved pre-care claim. Our
simple claims process makes it easy to get your money back into your account quickly. Simply lodge the claim either online or through the phone. We do a quick assessment, complete the claim, and send you the balance.
LODGEMENT
ASSESSMENT
COMPLETION
Frequently Asked Questions
Vets Choice currently only provides cover for cats and dogs.
Dogs and cats between the ages of 8 weeks and 8 years. With guaranteed lifetime cover for pets as long you join before they reach their 9th birthday and the policy remains active.
Your vet will be able to provide you with an estimate of age after a physical examination, which will be accepted by Vets Choice as your pets age, we don’t need your pets date of birth, just how old they are in years.
Yes, we offer a 5% discount where there is more than one pet listed on a policy.
We will treat most hereditary and congenital defects for your pet if you or your vet were not aware of, or could not reasonably have known of, at the time of your cover commencing under this policy. Exclusions are listed here.
No. Medical records are not required at the time of taking our pet insurance. You will however be required to provide your pets medical history to support a claim.
No. Pre-existing conditions and waiting periods apply. These are listed here.
This is an accident and specified illness policy and was specifically designed to keep the cost of pet insurance down for pet owners. As such routine care, vaccinations and check-ups etc. are not covered. For more details about what is and isn’t covered by this policy check here.
Yes. For scheduled procedures, it is possible at our discretion to arrange for the claim to be pre-approved. You will need to provide a detailed quote from your vet. This means that you pay your excess only, and we will settle the bill with your vet for costs covered by the policy up to the amount quoted by the vet. We will work with you throughout to assist and provide guidance.
Vets Choice offer a benefit level of up to 80% on both our Pro and Elite Cover plans. This means we will pay up to 80% back on eligible claims or vet bills, after you pay your nominated excess, and up to your annual benefit limit and any other applicable sub-limits. For example, if you have an Elite Cover plan with a $500 excess, and your pet undergoes a $10,000 treatment, Vets Choice will cover up to 80% of $9,500, as long as it’s within your annual benefit limit. Please keep in mind that some accidents, illnesses, and dental covers may have sub-limits. This means that we can only pay up to a certain amount as indicated on our product comparison table and Product Disclosure Statements (PDS).
We support and promote positive pet ownership and therefore recommend proactive preventative measures wherever available. This is why our pet insurance policies don’t cover preventable conditions. But, we will cover certain aspect of preventable illnesses, read more about that here.
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