When should you get pet insurance for kittens?
Pet insurance for kittens uses the same accident-and-illness policies as insurance for older cats. Enroll as soon as the insurer allows, ideally the week you bring the kitten home, so new findings sit after the policy start. Waiting periods still apply. Current Lemonade marketing waits (your state policy controls) are 0 days for accidents from the policy effective date, 14 days for illness, and 30 days for orthopedic conditions. Pre-existing conditions are excluded by every insurer we review. Lemonade is the only live quote link. Lemonade Pet is not sold in AK, ID, KS, SD, VT, WV, or WY as of October 2026. We do not publish a kitten premium on this page.
Why kitten insurance is a timing question
A kitten shopper asking “pet insurance for kittens” is deciding when to enroll, not asking for a cost table. Symptoms that appear before the start date or during a wait can be treated as pre-existing. Enroll first, then do the first exam when the insurer allows.
For pricing, see our kitten insurance cost guide. The kitten enrollment guide explains what to check before choosing a policy.
What still waits after you enroll a kitten
Accident clocks are the shortest. Illness waits are longer. Orthopedic waits are usually the longest. Do not treat a kitten policy as covering every claim from day one.
For an indoor kitten, use the indoor-cat insurance guide to consider covered risks and policy exclusions.
How to compare current quotes
We do not publish a kitten premium here. Ask insurers for current quotes with the same ZIP code, deductible, reimbursement rate, and annual limit.
Related questions
Keep reading
Not sure which plan fits?
The Advisor ranks the eight reviewed plans from nine questions. The Advisor is not a quote form.
Start the AdvisorPremium figures are illustrative starting estimates, not quotes. See our methodology for how scores are set.