Kitten insurance

As early as possible! The earlier your kitty is insured, the faster they’ll be covered* for any health emergencies — and the more likely they’ll be able to trot through life without any exclusions for pre-existing conditions hanging over their furry heads. You can insure your kitten as early as eight weeks old.

A pre-existing condition is any condition for which your pet was symptomatic, treated, or diagnosed before your policy went into effect or during your waiting period. (ManyPets will no longer consider most conditions to be pre-existing if your pet has been free of symptoms, diagnosis, and treatment for a certain time period—18 months in most states.) 

Technically, a cat can have a pre-existing condition at any age. But since kittens haven’t been around as long as adults, they’re much less likely to suffer from any past conditions unless they were born with them. That’s one reason why it’s so important to insure your cat when they’re still young.

Yes! You can submit invoices for any licensed vet who treats your kitten, including emergency clinics and specialists.

Absolutely. ManyPets kitten insurance covers illnesses as well as accidents — and indoor cats can certainly fall ill with costly health conditions, like parasite infections and kidney disease. 

Even mishaps like tail-pull injuries or eating toxic foods can happen in the home. Insuring your kitten can save you a leg and a paw — even if they’ve seen little of the world beyond their scratching post.

Nope! From Sphynxes to Snowshoes, ManyPets covers any and all domesticated cat breeds. And ManyPets won’t exclude treatment for new conditions that are common to your kitten’s breed just because they’re hereditary. 

If your cat’s breed does suffer from common hereditary illnesses, it makes all the more sense to insure your pet before those conditions are diagnosed or symptomatic and become pre-existing. Do be aware that, if your cat’s breed is particularly prone to health conditions, this may factor into higher premiums. 

The ManyPets insurance policy will not reimburse you for vaccinations or other preventative care, but the ManyPets Wellness Plan is designed for exactly that purpose. Wellness reimburses pet parents for preventative care like vaccinations, checkups, parasite prevention, dental care, vitamins, and supplements, and more — all crucial for growing kitties.

You can always get your pet insured after any accident or illness — but keep in mind that any pre-existing health conditions will be ineligible for coverage. This includes treatment for any injury or illness, or any subsequent injuries or illnesses that directly stem from a pre-existing condition.  

Nonetheless, it’s often still worth it to insure your cat after they’ve developed a health condition! Even if ManyPets can’t cover your cat’s pre-existing condition, there are no such exclusions for any unrelated conditions that aren’t pre-existing.

No, you cannot; if you buy your policy before your kitten is in your possession, your claims may be denied even if they meet other eligibility requirements. So be sure your furry friend is in your possession before you purchase insurance!

All ManyPets policies start out with the same accident and illness coverages, with just a few state variations due to regulations. And available policy selections — including deductible amount and reimbursement level — may vary by state as well.

For older cats, ManyPets asks for the last 18 months of medical records when you submit your first claim. But for cats younger than 18 months, we simply ask that you submit whatever medical records are available. We’ll only ask for these records the very first time you claim, unless additional information is needed to process a subsequent claim.