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Premium starts at €19.76 on a monthly basis, which sits above the €8.37 for the brands compared. The quote also moves with the cat's age, since price bands are set by age, so a kitten and an adult cat will not price the same.

Yes, monthly payments are available and monthly is monthly, so the premium is spread across the year rather than settled in a single payment. Cover can be started early for a kitten and then kept in place as the cat grows older.

The named legal entity is Admiral Intermediary Services S.A. (AIS), Italian branch, and the business dates back to 2008. Its headquarters sit in Spain, and the cat policy is sold through the Italian branch, so quotes, documents and claims are handled by the same intermediary.

Claims can be made online through the Area Personale personal area or by phone through the operations centre, online claim via Area Personale and phone claim via Centrale Operativa 24/7. The phone route runs around the clock, which matters if a cat is injured outside normal business hours, and policy questions go to email, phone and help centre.

The line is pet insurance only, and a first policy can start at a minimum age, with price bands set by age and running a little further beyond that for an existing pet. Cover limits apply per surgery, and a lower cap applies to expenses outside surgery.

Vet expenses, surgery and third-party liability are included, so an accident that harms a third party is handled under the same policy. Limits apply per operation, and the ceiling for expenses that do not involve surgery is lower, which is worth checking against the treatment your cat is most likely to need.

Support runs on email, phone and help centre, so you can reach the team by email, by phone or through the online help centre. Claims and support are separate routes: once the policy is live, a claim goes through online claim via Area Personale and phone claim via Centrale Operativa 24/7 rather than the general support channels.