Lemonade ranks as the best pet insurance for kittens, combining strong affordability with solid customer experience. MoneyGeek's analysis also identified Figo, Spot, Pets Best and Rainwalk as four alternatives that offer reliable coverage.
Best Pet Insurance for Kittens
Updated: August 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
According to MoneyGeek's analysis, Lemonade is the best overall pet insurance for kittens, with a score of 4.3 out of 5.0.
The cheapest kitten insurance costs an average of $11 per month from Figo.
Know your coverage needs, compare quotes from multiple providers and review terms before choosing pet insurance for your kitten.
What Are the Best Kitten Pet Insurance Companies?
| Lemonade | 4.3 | $144 | 3 | 6 |
| Figo | 4.2 | $126 | 7 | 5 |
| Spot | 4.15 | $149 | 2 | 8 |
| Pets Best | 4.1 | $169 | 5 | 2 |
| Rainwalk | 4 | $198 | 1 | 4 |
Best Pet Insurance for Kittens by State
Lemonade provides the best kitten insurance in 38 states, based on MoneyGeek's analysis. See below which provider is the top choice in your state.
| Alabama | Lemonade | $106 |
| Alaska | Rainwalk | $185 |
| Arizona | Lemonade | $176 |
| Arkansas | Lemonade | $97 |
| California | Lemonade | $183 |
| Colorado | Lemonade | $182 |
| Connecticut | Lemonade | $165 |
| Delaware | Figo | $121 |
| Florida | Lemonade | $164 |
| Georgia | Lemonade | $130 |
| Hawaii | Spot | $154 |
| Idaho | Figo | $116 |
| Illinois | Lemonade | $179 |
| Indiana | Lemonade | $131 |
| Iowa | Lemonade | $121 |
| Kansas | Figo | $105 |
| Kentucky | Rainwalk | $150 |
| Louisiana | Lemonade | $116 |
| Maine | Spot | $189 |
| Maryland | Lemonade | $142 |
| Massachusetts | Lemonade | $186 |
| Michigan | Lemonade | $145 |
| Minnesota | Lemonade | $150 |
| Mississippi | Lemonade | $123 |
| Missouri | Lemonade | $114 |
| Montana | Lemonade | $121 |
| Nebraska | Figo | $97 |
| Nevada | Lemonade | $150 |
| New Hampshire | Lemonade | $168 |
| New Jersey | Lemonade | $163 |
| New Mexico | Lemonade | $127 |
| New York | Lemonade | $157 |
| North Carolina | Lemonade | $129 |
| North Dakota | Lemonade | $111 |
| Ohio | Lemonade | $132 |
| Oklahoma | Lemonade | $121 |
| Oregon | Lemonade | $180 |
| Pennsylvania | Lemonade | $150 |
| Rhode Island | Lemonade | $126 |
| South Carolina | Lemonade | $150 |
| South Dakota | Figo | $107 |
| Tennessee | Lemonade | $133 |
| Texas | Lemonade | $153 |
| Utah | Lemonade | $138 |
| Vermont | Figo | $106 |
| Virginia | Lemonade | $154 |
| Washington | Lemonade | $166 |
| West Virginia | Figo | $97 |
| Wisconsin | Lemonade | $155 |
| Wyoming | Figo | $102 |
Lemonade
Best Overall
MoneyGeek Rating
4.3/ of 5
4.7/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$12Overall Reddit Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-On
30-day waiting period for orthopedic conditions
What Are the Cheapest Kitten Pet Insurance Companies?
Figo offers the cheapest pet insurance for kittens at an average of $11 monthly. We also identified Lemonade, Hartville, Pumpkin and Spot as cost-effective alternatives for kitten insurance.
| Figo | $11 | $126 | 45% |
| Lemonade | $12 | $144 | 37% |
| Hartville | $12 | $146 | 36% |
| Spot | $12 | $149 | 34% |
| Pumpkin | $12 | $148 | 35% |
Cheapest Pet Insurance for Kittens by State
Figo beats competitors on price across most of the country, offering the cheapest kitten insurance in 45 states. You'll pay anywhere from $6 to $15 per month on average, depending on where you live.
| Arkansas | Figo | $6 | $76 |
| Missouri | Figo | $8 | $93 |
| North Dakota | Figo | $8 | $94 |
| Alabama | Figo | $8 | $96 |
| Louisiana | Figo | $8 | $96 |
| Nebraska | Figo | $8 | $97 |
| West Virginia | Figo | $8 | $97 |
| New Mexico | Figo | $8 | $100 |
| Wyoming | Figo | $8 | $102 |
| Rhode Island | Figo | $9 | $103 |
| Montana | Figo | $9 | $104 |
| Oklahoma | Figo | $9 | $104 |
| Kansas | Figo | $9 | $105 |
| Vermont | Figo | $9 | $106 |
| South Dakota | Figo | $9 | $107 |
| North Carolina | Figo | $9 | $112 |
| Utah | Figo | $9 | $112 |
| Mississippi | Figo | $9 | $113 |
| Alaska | Figo | $10 | $114 |
| Idaho | Figo | $10 | $116 |
| Ohio | Figo | $10 | $115 |
| Kentucky | Pumpkin | $10 | $117 |
| Iowa | Figo | $10 | $118 |
| Michigan | Figo | $10 | $119 |
| Nevada | Figo | $10 | $119 |
| Delaware | Figo | $10 | $121 |
| Indiana | Figo | $10 | $123 |
| Wisconsin | Figo | $10 | $124 |
| South Carolina | Figo | $10 | $123 |
| Hawaii | Figo | $11 | $129 |
| Minnesota | Figo | $11 | $129 |
| Georgia | Lemonade | $11 | $130 |
| New Hampshire | Figo | $11 | $132 |
| Pennsylvania | Figo | $11 | $132 |
| Tennessee | Figo | $11 | $133 |
| Texas | Figo | $11 | $133 |
| Connecticut | Figo | $11 | $134 |
| Virginia | Figo | $11 | $136 |
| Arizona | Figo | $11 | $138 |
| New York | Figo | $11 | $138 |
| Maryland | Lemonade | $12 | $142 |
| Florida | Figo | $12 | $142 |
| Colorado | Figo | $12 | $146 |
| Washington | Figo | $12 | $147 |
| Oregon | Figo | $12 | $148 |
| Massachusetts | Figo | $12 | $151 |
| Illinois | Figo | $13 | $156 |
| California | Figo | $14 | $164 |
| New Jersey | Lemonade | $14 | $163 |
| Maine | Pumpkin | $15 | $180 |
Figo
Cheapest Overall
MoneyGeek Rating
3.6/ of 5
5/5Affordability
1.7/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$11Overall Reddit Sentiment
17% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-On
Curable conditions coverage
How Much Is Pet Insurance for a Kitten?
On average, pet insurance costs start at $19 monthly for a kitten under 1 year old and increase as it ages, reaching $21 at one year and $22 by age two. These rates are based on our standard Ragdoll profile with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.
| Under 1 | $19 | $226 |
| 1 | $21 | $246 |
| 2 | $22 | $264 |
*Actual costs will differ based on your kitten’s specific profile and location.
What Factors Affect Kitten Pet Insurance Costs?
Kittens cost less to insure than adult cats because they start with fewer health issues and lower claims frequency. Several key factors determine your monthly premium, from your kitten's breed and age to your coverage options.
Age
Your kitten's age is the primary factor affecting insurance costs. Most insurers offer their cheapest premiums for kittens under one year old, then gradually increase prices as your cat ages.
Breed
Purebred kittens often cost more to insure because certain breeds are prone to specific genetic health conditions. Meanwhile, mixed-breed kittens typically get lower rates since they face fewer hereditary risks.
Location
Where you live directly impacts your kitten's insurance premiums since veterinary costs vary significantly by region. Urban areas with expensive vet clinics mean higher premiums, while rural areas often offer more affordable rates.
Coverage options
What you choose for your policy directly affects what you pay each month—pick higher annual limits or lower deductibles, and your premium increases. Balancing comprehensive coverage with affordable rates means choosing deductible amounts you can afford and reimbursement rates that fit your budget while having enough financial protection.
How to Get the Best Cheap Kitten Insurance
Shopping around for kitten insurance doesn't have to be complicated. Here's how to get the best value:
- 1
Know your coverage needs
Determine how much coverage makes sense for your kitten. Consider factors like your kitten's breed, any genetic health predispositions and how much you can afford to pay out-of-pocket for vet visits. Understanding these helps you avoid paying for unnecessary coverage while ensuring your kitten has adequate financial protection.
- 2
Compare quotes from multiple providers
Get quotes from at least three pet insurance companies to find the best rates and coverage options for your kitten. Each provider uses different pricing models and covers different conditions, so rates can vary significantly even for similar policies.
- 3
Look for discounts
Ask about available discounts when requesting quotes, as many insurers offer savings that can significantly reduce your costs. Common discounts include multi-pet savings, military or first responder discounts and annual payment discounts.
- 4
Read customer reviews
Research customer experiences with claims processing, customer service and overall satisfaction before making your final decision. Pay special attention to reviews from other cat owners to understand how well each company handles feline-specific conditions.
- 5
Review terms and conditions
Carefully read the policy details to understand waiting periods, coverage exclusions and claim processes before enrolling your kitten. Understanding these details helps you avoid surprises when you need to file a claim for your kitten's care.
Best Kitten Pet Insurance: Bottom Line
Lemonade is MoneyGeek's pick for the best overall kitten insurance, balancing affordable rates with a good customer experience. If you're looking for the cheapest option, Figo's monthly premiums start at just $11 on average. Still, get quotes from several providers and choose coverage that matches both your budget and your kitten's needs to ensure you get the best value.
Best Pet Insurance for Kittens: FAQ
Finding the best pet insurance for kittens raises many questions about coverage, costs and providers. We've answered the most frequently asked questions to help you make an informed decision:
What is the best pet insurance for kittens?
Lemonade ranks as the best pet insurance for kittens based on MoneyGeek's analysis. The company combines strong affordability with solid customer experience, earning a 4.3 out of 5.0 score.
What is the cheapest pet insurance for kittens?
Figo offers the cheapest pet insurance for kittens at an average of $11 per month, providing 45% savings compared to the national average.
How much does pet insurance cost for kittens?
Pet insurance for kittens starts at $19 monthly for cats under 1 year old and increases with age, reaching $21 at one year and $22 by age two. Actual costs vary significantly based on your kitten's profile and coverage choices.
At what age should I get pet insurance for my kitten?
Get coverage for your kitten right away. Kittens under 1 year get the lowest rates, and prices increase from there as your cat gets older.
What factors affect kitten insurance costs?
Several factors determine how much you'll pay for your kitten's insurance. Age is the biggest influence, with insurers offering the lowest rates for kittens under 1 year old before gradually raising prices as they age. Your kitten's breed also directly impacts premiums, along with its location and your chosen coverage levels.
Is pet insurance worth it for kittens?
Pet insurance can be worth it for kittens since they're cheaper to insure than adult cats. It can provide financial protection against unexpected accidents and illnesses that become more expensive as cats age. Early enrollment also ensures comprehensive coverage before pre-existing conditions develop.
How We Found the Best and Cheapest Kitten Insurance
Our analysis evaluated 20 major pet insurance providers across the United States to identify the best options for kitten pet insurance. We focused on three core ratings: affordability, customer experience and coverage options to tailor our recommendations for kittens.
All costs presented in this article for providers were based on the following profile:
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
- 1-year-old Ragdoll
How We Score Each Provider
Each provider received a composite score based on three weighted criteria:
Affordability (50% of score): We gathered quotes for kittens and compared them across all states to identify the most cost-effective options. We also factored in discounts, though they carried minimal weight due to limited variation between companies.
Customer Experience (30% of score): To calculate this score, we analyzed customer feedback from online platforms, specifically Trustpilot and Reddit.
Coverage (20% of score): We reviewed complete policy contracts for every provider in every state, examining add-on options, covered conditions, exclusions and policy restrictions.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.