Kitten Insurance: 5 Reasons You Need It

3 min read Dec 07, 2022

Welcoming a kitten to your family? Just like with any new pet, there are many expenses to consider. Costs can add up quickly, especially in the first year of your kitten’s life. The curiosity of the average cat is well known, and it can get the best of even the most well-behaved kitten. That’s where kitten pet insurance comes in.

Getting your kitten set up with a cat insurance policy from MetLife can give you peace of mind — and save you money in the long run — while your furry friend explores the world around them.1,2 Read on for more about why kitten insurance is a good idea.

1. Kittens Require Routine Appointments

While your kitten may have vaccinations and a health clearance by a veterinarian included in their initial adoption fee, this isn’t always the case. Kittens, like most young animals, have weak immune systems that make them more susceptible to illnesses.

Even after getting mandatory vaccinations, boosters, and other prerequisites after a physical exam, it’s important to maintain regular check-ups for your kitty. You may expect to be spending more time at the vet’s office to make sure your little one is healthy if they haven’t received previous medical attention, and annual visits thereafter to keep them in good health.

2. Kitten Curiosity Can Lead to Injury

Kittens often do things they know they shouldn’t. This includes chewing on small objects like electrical cords, or consuming human medication or other feline-poisonous items throughout the home. Kittens are also considered more agile than older cats, meaning they’re capable of reaching high-up areas owners might think are inaccessible.

While cats tend to land on their feet after a fall, injuries still happen.3 A fearless kitten may see more unexpected trips to the vet than in their adulthood due to their curiosity. Pet insurance can offset the costs of unplanned expenses like a broken foot or procedures needed to flush the stomach.

3. Outdoor Kittens and Cats Face Unique Health Concerns

Some cat owners allow their furry friends to wander freely and spend time outdoors for days.4 There are several health concerns that impact outdoor cats more than their indoor counterparts. If you’re privy to your kitten’s whereabouts and examine them upon their return, you may find fleas, ticks, parasites, or other injuries that plague outdoor cats.

Vehicular trauma is one subset of injuries that impact kittens more than adult cats. While older cats enjoy sneaking under the shade of parked cars, they’re experienced enough to know when it’s time to dart out at the sound of an engine starting. Kittens, on the other hand, have yet to develop such responses, which can result in varying degrees of vehicular injury. Cat insurance can keep your kitten protected into adulthood in the event of an unexpected injury outdoors.

4. Getting Kitten Insurance Can Prevent Preexisting Condition Exclusions Later in Life

Since pet insurance typically doesn’t cover preexisting conditions, it can be beneficial to get coverage for your kitten while they’re young and healthy. Even something as simple as a urinary tract infection (UTI) or allergies can be deemed preexisting conditions, so covering your pet as early as possible can help you get the most out of your policy.

5. Kittens May Have Lower Premiums

As with puppies, pet insurance rates can be based on age, breed and location. Learn more about the cost of cat insurance here.

Looking for more ways to protect your kitten? Get a quote today to see if cat insurance fits into your lifestyle.

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Nothing in this article should be construed as financial, legal, or veterinary advice. Please consult your own advisors for questions relating to your and your pet’s specific circumstances.

1 Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois).

2 Provided all terms of the policy are met. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3 “First Aid for Falls in Cats,” VCA Animal Hospitals

4 “ Indoor Cats vs. Outdoor Cats,” American Humane

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