Pet insurance for kittens
by Nationwide®
We believe every cat deserves the best health care
See coverage options for your
Protect your kitten’s health—and your wallet—with a cat insurance plan
Select from plans that cover injuries, illnesses, and wellness care.
What is kitten insurance, and why do you need it?
From vaccinations and annual check-ups to unexpected accidents or illnesses, your kitten’s health care costs can really add up.
- Synchrony, 2025 Lifetime of Care Study
- Preventive Vet, Pet Emergency Statistics, 2025
Coverage built around your kitten
We offer kitten and adult cat insurance coverage options for accidents, illnesses and wellness. No matter your needs, you can choose the best coverage options for you and your kitten.
Every Nationwide pet insurance member enjoys:
Always There Pet CareSM
Use any vet, anywhere
VetHelpline®
Unlimited, 24/7 virtual pet telehealth
Nationwide PetRxExpress®
Save money on pet meds
Important Disclosures: Insurance explanations and reimbursement examples are informational only; actual coverage is determined by your policy terms. Plans and coverages may not be available in all states and may be subject to waiting periods, underwriting review, deductibles, coinsurance, and/or annual limits. Policy terms and eligibility may vary and are subject to change. Exclusions, policy conditions, and limitations apply. Pre-existing conditions may be excluded from coverage. Review your policy documents for full details. Premiums may increase at renewal for reasons including but not limited to pet's age, location, or claim history.
Reimbursement example reflects Modular Pet Insurance Plan with Accident, optional Illness and optional Wellness Level 2 coverage, with $5,000 annual limit for each category, 80% reimbursement, and a $250 annual deductible that was already met prior to the claim. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on Nationwide claims data in a rolling 12-month period for treatment of specified condition. Treatment cost includes expenses incurred in the first 30 days after initial diagnosis and reflects the 80th percentile of expenses.
[2] Premium shown is based on a 2-11 months-old Domestic Shorthair cat located in ZIP code 60615 (Chicago, IL), enrolled in the Modular Pet Insurance plan with an annual limit of $5,000 per selected medical category, 70% reimbursement, and a $250 annual deductible. Includes optional wellness coverage with defined annual benefits per condition, up to a $450 total annual benefit. Individual coverage costs may vary by up to $0.02 due to rounding differences. Total cost may vary due to applicable fees and state surcharges. Premium costs may vary by state. Start a quote to view a price estimate specific to your state of residence.
I can take Elsi and Sebastian to the vet regularly or the emergency hospital if needed. I can always get them treated, and it won’t be a huge issue.
- Clara, pet parent of Elsi and Sabastian
The Nationwide difference
Nationwide pet insurance is the only provider that includes comprehensive coverage, multiple wellness options, exam fees, and 24/7 telehealth access — all in one plan.
| Plan Feature |
|
Trupanion | Healthy Paws | Embrace |
|---|---|---|---|---|
| Comprehensive coverage that lets you visit any hospital or specialist |
 Nationwide: Yes
|
Trupanion: Yes
|
Healthy Paws: Yes
|
Embrace: Yes
|
| Multiple wellness coverage options available |
Nationwide: Yes
|
 Trupanion: No
|
Healthy Paws: No
|
Embrace: Yes
|
| Exam fees covered |
Nationwide: Yes
|
Trupanion: No
|
Healthy Paws: No
|
With purchase of optional coverageEmbrace: With purchase of optional coverage |
| Telehealth - 24/7 access to veterinary experts |
Nationwide: Yes
|
Trupanion: No
|
Healthy Paws: No
|
Embrace: No
|
Pet insurance provider comparison: Comprehensive coverage - Nationwide: Yes, Trupanion: Yes, Healthy Paws: Yes, Embrace: Yes. Multiple wellness coverage options - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: Yes. Exam fees covered - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: With purchase of optional coverage. Telehealth 24/7 access - Nationwide: Yes, Trupanion: No, Healthy Paws: No, Embrace: No.
Health & wellness for kittens
New kittens bring zany energy and personality to a home. While your kitten explores and learns about the world, keep an eye out for injuries or even poisoning (especially if your kitty likes to sample food).
FAQs about cat insurance
The monthly premium for a kitten insurance plan depends on the type of coverage selected but starts at around $8/month.
As a pet parent, you want to make sure providing the best care possible for your kitten doesn’t become a financial burden. Pet insurance policies reimburse you for your pet’s medical care so you can focus on keeping your kitten healthy—not on what it costs.
It’s a good idea to enroll your kitten in a pet insurance plan as early as possible, before chronic conditions develop, or your cat needs any medical care that could put limitations on your coverage. If you have an upcoming veterinary appointment, make sure you factor in the waiting period before coverage begins.
Unfortunately, pet insurance companies don’t generally cover pre-existing conditions. However, Nationwide does allow members to request reviews of pre-existing conditions that have been cured, in which case an exception may be added so the condition would be covered.
The annual limit depends on the pet health insurance coverage you select for your dog. See your policy documents for details.
A lot of pet insurance companies have come and gone. The key to picking one you can count on is stability and experience. Some insurance companies pay to use the names of well-known organizations. With Nationwide, what you see is what you get: one of the largest and most trusted financial services companies in the world.
Kittens need a lot of vaccinations and tend to get into lots of trouble. Pet insurance policies reimburse you for your cat’s veterinary care—including medical costs for accidents and illnesses and even wellness care. With Nationwide, you’re free to use any licensed veterinarian.
Prescription food is covered under certain plan types or can be added to other plans with the purchase of an optional rider. Call our sales team to learn more about prescription food coverage options.
Unfortunately, cats that are 8 years and older are not eligible to enroll in hereditary coverage.
You’re free to use any licensed veterinarian, including specialists and emergency providers.
Wellness coverage for routine care is available, including physical exams, vaccinations, flea/tick preventives and more.
The amount of coverage you choose depends on your budget and your pet’s breed. Factors to consider include how much medical care is typical for your pet’s breed, and whether you want wellness coverage for expected costs like checkups and vaccinations.
You can change your coverage during the annual policy renewal period. Some changes to your insurance may need to be reviewed by underwriters.