Trupanion Kitten

yes.. Can pay vet hospitals in seconds

yes.. No payout limits

yes.. Coverage for all new, unexpected illnesses & injuries

Trustpilot excellent rating

Survey commissioned by dvm360, from 3/30-5/1/2023. Read more.

lady snuggling two kittens

Congratulations on your new kitten!

You’re embarking on an exciting adventure as your kitten plays and purrs their way into an adult cat. And while you’re prepping for lots of snuggles and silly sessions, are you ready for any unexpected veterinary costs?

You can’t predict the future, but you can prepare for it. Kitten insurance helps protect you from financial hardships when your cat gets sick or hurt, and enrolling now will help set them up for a lifetime of great veterinary care.

vet holding a cat

What does kitten insurance cover?

Trupanion puppy insurance provides protection for all new injuries and illnesses.

New dental illnesses & injuries

New illnesses & injuries

Extractions of permanent and baby (deciduous) teeth

Hereditary conditions

Advanced dentistry, including caps & crowns

Breed-specific conditions

Endodontic treatments, including root canals

Diagostic tests

Fractured jaw & tooth repair


Tooth resorption & tooth root abscesses




Learn more about what’s covered

The best time to protect your cat is now.

We know it sounds cliché, but there’s no better time than the present to protect your kitten for life and ensure new illnesses and injuries are covered (learn about pre-existing conditions).


What is kitten insurance?

With all of the responsibilities that come with bringing a kitten into your family, the last thing you should have to worry about is unexpected veterinary costs. You can’t predict when your kitten will experience a surprise illness or injury, but what you can do is protect both your pet and your budget with cat insurance. And by enrolling your pet when they’re still a kitten, you can set both of you up for a lifetime free from worry.

With the protection of Trupanion, you get to enjoy unlimited payouts and never have to stress about us suddenly cutting of off care or raising rates just because your cat develops a chronic condition or otherwise needs frequent care. We cover eligible costs for all new injuries and illnesses, including surgeries, hospital stays, emergency care, and other unexpected vet costs faced by pet parents every day.

And for when you need to ask questions or navigate an emergency, we’re available 24/7, 365 days a year. After all, we all know that our pets don’t wait to get sick or hurt only during business hours.


When's the best time to get kitten insurance?

The best time to get insurance is while your cat is still a kitten. Signing up now enables you to get the best value out of your coverage:

  • More conditions covered - The younger the cat, the less likely they are to have pre-existing conditions. This means your pet will have more conditions that can be covered throughout their lifetime.
  • Lowest cost - With Trupanion, we base your monthly cost for life on your pet’s age when they enrolled. So, if you sign up when your pet is a kitten, they’ll be priced as a kitten throughout their nine lives.


How much does kitten insurance cost?

The cost of kitten insurance differs from pet to pet. This is because we want our members to be comfortable with their monthly cost for kitten and cat coverage, so we put the power in your hands. With our flexible pricing options, you can find a monthly cost that works for your budget. After all, it’s easier to budget for a regular, recurring monthly than a large, unexpected veterinary bill.


Do I need kitten insurance?

While we’re obviously a little biased... we truly believe that pet insurance is something every cat parent should have. To put it simply, we’re pet owners just like you, and we more than understand how stressful it is when your furry family member is sick or hurt. Kitten insurance can remove the stress of wondering if or how you’re going to pay for their care, and it helps sets up your pet for a lifetime of great veterinary treatment.

Think of Trupanion like a bottomless bank account for those large (and small), unexpected vet bills — you get peace of mind knowing your pet can get the care they need.



How does puppy insurance work?

Hospital vet image
Take your puppy to any veterinarian in the US, Canada, or Puerto Rico.
No payout limit image
Get your pet the care they need.
claim form image
Submit your invoice (if they’re set up for Vet Direct Pay, your veterinarian will take care of this for you).
Customer service image
We’ll process your invoice and pay our portion of the bill.

Can you handle a surprise $3,000 vet bill?

If it’s covered by Trupanion, you don’t have to worry about it.

Learn about claims

How it works

You receive a $3000 bill after Cleo fractures a leg.

Veterinary bill


We cover 90%
minus your deductible


You pay:
10% + your deductible


Claim amount data based on real-life Trupanion claims covered at 90% with a $0 deductible. Coverage details can vary by individual and location. Please view our policy for more information.

Trupanion care in action

We could tell you about all the pets we’ve helped, but we’d rather show you!



Gwynn Oak, MD

Urinary Obstruction



Gladstone, OR

CLD, IBD, pica, hypertrophic cardiomyopathy, hyperthyroidism



San Francisco, CA

Congestive heart failure



Peyton, CO

Giardia, Trichomonas, Irritable Bowel Disease (IBD), Pancreatitis, UTI



Jacksonville, FL

Skin and Stomach Issues

4 in 5 pet owners can’t afford a surprise vet bill

A survey of more than 20,000 pet parents found that only 1 out of 5 could pay for an unexpected $5,000 veterinary bill without pet insurance.

We can pay veterinarians directly, in seconds

Did you know we’re the only pet health insurance provider that can pay vets directly at checkout from appointments?

Learn about Vet Direct Pay
vet using stethoscope on tabby cat

Loved by pet parents everywhere

We don’t like to brag, but...

Insurance for responsible cat breeders & their litters

Cat insurance for breeding pets

Regardless of what kind of kittens you focus on, you can add protection for breeding pets when you enroll in a Trupanion policy for an additional cost.

If you’d like to sign up for Trupanion with (or without) breeding coverage for your cat, just give us a call. The process is quick and easy, and we’re available 24/7 to answer any questions and get started.

kitten on floor sleeping wrapped in blanket
4 kittens in a basket

Trupanion's Breeder Support Program — cat insurance for your litters

If you’re a breeder and want to help buyers avoid financial surprises, so they can keep their kitten happy and healthy for years to come, join our Breeder Support Program!

This free program is designed for quality breeders to send their litters home protected with an offer to try cat insurance — plus plenty of other perks.

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