Skip to content
Cat insurance main banner

Cat insurance

Apply for cat insurance and protect your feline friend in minutes. Get a Nectar member discount* and 24/7 Vet Assistance with a policy.
Provided by Pinnacle Insurance plc.

Need any information? Just ask us a questionopens in new window

Applies to cover over £4000. Time limited and Rabbit cover excluded.

Why choose our cat insurance?

We take the stress out of keeping tabs on your tabby with our selection of cover for cats. Our range of policies offer different benefits and perks, giving you the flexibility to choose cat insurance cover that’s right for you. Here are some of the reasons to choose Sainsbury’s Bank:

  • Flexible insurance that meets your cat’s needs
    Choose from lifetime, time limited or maximum cover and get vet fee cover up to £10,000
  • Vet Assistance, day or night
    24/7 access to qualified UK-based vet nurses over the phone or via live chat who’ll answer your pet health questions
  • Multi-pet cover – insure more, spend less
    Get a discount of £1 per pet per month when you buy our multi-pet insurance †
  • Extra discounts for Nectar members
    As a Nectar member, you get an extra discount on your pet insurance *
  • Manage your policy online
    Get claims information and make changes to your policy on My Pet Portal

What your cat's covered for

We have your favourite feline’s best interests at heart. Whether they have an accident or fall ill, we can help cover the cost of your cat’s vet fees – so there’s no need to worry.

With a host of benefits, including death from accident, illness or injury cover and holiday protection, this can help you  relax knowing your cat is covered by one of our pet insurance policies.

Benefit Time limited
Covers each condition for up to 12 months or up to max amount below
Maximum benefit
Covers up to the max amount per condition
Covers up to max amount each year
Treatment period 12 months unlimited unlimited
Treatment basis per condition per condition per year
Veterinary fees
Veterinary helpline
Additional benefits
Holiday cover

Veterinary fees can include:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000
Dental Cover up to £3,000 up to £6,000 up to £10,000
Complementary Treatment up to £500 up to £1,500 up to £1,500
Physiotherapy up to £500 up to £1,500 up to £1,500
Behavioural illnesses
(excludes the cost of any damage to your home)
up to £3,000 up to £6,000 up to £10,000
Overseas veterinary treatment up to £3,000 up to £6,000 up to £10,000

With our lifetime pet insurance, you get access to £2,500, £5,000, £7,500 or £10,000 towards vet costs each year – depending on the level of cover you choose. We've used Lifetime £10,000 cover as an example in the table above.

Our maximum benefit cover can provide you with £3,000 or £6,000 towards vet costs per condition depending on the level of cover you choose. We've used £6,000 maximum benefit cover as an example in the table above.

With our time limited cover, you'll get access to a maximum of £3,000 towards vet costs up to 12 months.

Additional benefits and limits:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000
Death from accident/injury £1,000 £1,500 up to £2,000
Death from illness £1,000 up to £1,500 up to £2,000
Cremation £200 £200 £200
Advertising & reward £1,000 £1,500 up to £2,000
Theft or straying £1,000 £1,500 up to £2,000
Emergency boarding cattery fees (if you're ill/injured for over 48hrs) £1,000 £1,500 £1,500

Holiday travel cover:

Benefit Time limited £3,000 Maximum benefit £6,000 Lifetime £10,000
Holiday cancellation £1,000 £1,500 £3,000
Quarantine costs £1,000 £1,500 £1,500
Loss of healthcare cert £250 £250 £250
Emergency expenses abroad £1,000 £1,500 £1,500

Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

What cover’s right for your cat?

When you’re ready to insure your cat, you have a choice of three types of pet insurance: time limited, maximum benefit or lifetime cover. The right cover for you depends on you and your cat’s circumstances.


Our most comprehensive pet insurance for cats. Your cat will be covered for total vet costs of up to £2,500, £5,000, £7,500 or £10,000 per year. It depends on the level of cover you choose.

We’ll pay out for ongoing issues your cat may have throughout its lifetime – for as long as you’re with us.

Maximum benefit

Your cat will be covered for accidents, illnesses and conditions up to your chosen policy cover limit – £3,000 or £6,000.

There’s no time limit on reaching the maximum benefit. Just renew your policy each year without a break in cover. Your cat’s illness, injury or condition could be covered year after year until you reach your limit.

Time limited

You can make claims for different treatments during the year, up to £3,000.

We'll pay up to the individual limit for each condition or for up to 12 months from start of treatment – whichever comes first.

After this, you'll need to pay for any ongoing treatment your cat needs yourself.

It's more suitable for short-term health conditions.


Need more information?

Any more questions about Sainsbury’s Bank Pet Insurance? We’re here to help. Check out our FAQ and support page opens in new window for more.

Why buy cat insurance?

Cats are curious creatures, and despite their quick reflexes, they can be prone to accidents and illnesses. When this happens, we know that caring for your furry family member can be expensive.

That’s why with Sainsbury’s Bank Cat Insurance, you might not have to foot the full bill, should the worst happen. We can cover your cat in the event of:

  • Accidents
  • Illnesses
  • Thefts
  • Straying

Vet treatment alone can cost hundreds of pounds, which can put some pet owners in a financial bind. Having a pet plan in place for your cat ensures you’re there for your pet when it matters most.

With our policies, you can:

  • Cover the cost of a wide range of benefits, from complimentary treatments to physio.
  • Get multi-pet discounts if you have more than one pet.
  • Choose from three different types of cover, to get the right insurance plan   for you and your cat.

What does cat insurance cover?

Cat insurance allows you to be prepared for many eventualities. Depending on what type of cover you choose, cat insurance can include the following:

  • Vet fees up to £10,000, depending on your cover
    Should your cat become ill, injured or need dental care, your insurance can cover some of the costs.
  • Death by accident or illness
    If your furry friend dies, your insurance can reimburse you for the cost that you paid for them. However, most insurance policies have an age limit.
  • Missing pet cover
    Should your cat go missing, we can help take care of the cost of setting up posters and paying a reward.
  • Cattery fees
    We can cover the cost of a cattery if you’re hospitalised and unable to care for them.
  • Euthanasia, cremation and burial
    In some instances, your policy can cover the costs of your cat being put to sleep, cremated or buried.

What isn’t covered by cat insurance?

As with any insurance policy, there are some exclusions from cat insurance plans. These include:

  • Pre-existing illness or injury
    This involves any medical condition that existed prior to you taking out your cat insurance policy. These fall into two categories: chronic conditions and historic conditions (from the past) and chronic conditions (persisting for a long time or constantly recurring).
  • Waiting period
    Any illnesses that begin within the first 10-14 days of your insurance policy will not be covered.
  • Pregnancy and giving birth
    ​​​​​​​Some cat insurance policies may exclude expenses relating to pregnancy, giving birth and treatment of any offspring.

What to consider when buying cat insurance

Some cats require more care than others. When looking for a cat insurance quote, you’ll need to consider a range of important factors that will determine which quote you can get. These include:

•    Your cat’s age
•    The breed or size of your cat
•    The health of your cat (and whether it has been neutered)
•    How much you paid for your cat (if you didn’t adopt it)
•    Your cat’s behavioural history
•    Your cat’s medical history

Once you’ve considered this information and provided  it to us, we can help you find the right pet insurance policy for you and your friendly feline.

It’s also worth considering the financial benefits of cat pet insurance too. Future vet bills are something to consider at any time as a cat owner, whether you’ve just bought a new kitten or have owned a cat for a while.

Getting an insurance policy could potentially help you save thousands on future vet bills, by paying monthly premiums.

Ready to protect your cat?

If you want cat insurance that has your cat’s health at heart, you’re in the right place.

Check you’re happy with the terms of our cover in our policy documents – then get started with your quote. When you’re ready, we’re ready.

Got more than one pet?

Be the cat that got the cream – save with our multi-pet policy.†

Need to talk to us?

You should find what you need on our help and support page opens in new window. But if you’d prefer to talk to us, our friendly UK-based team will be happy to help with any queries you have about our cat insurance.

Get in touch with us

Cat care guides

What’s the best way to safeguard the health of your cat? Would you know what to do if your new kitten went missing? Get your cat facts straight with our helpful pet guides.

Pet guides

Helpful guides

Browse through our handy list of helpful guides and information

Pet guides

Health and wellbeing

Find out how to keep your cat bright-eyed and bushy-tailed

Pet guides

Pet insurance glossary

Get to know your cover

Frequently asked questions

What age can my cat be insured?

How much is cat insurance?

The cost of cat insurance depends on many different factors. As well as the type of policy you choose, it’s based on the breed of cat you have, their age and external factors like rising vet fees. It’s easy to get a quote online with Sainsbury’s Bank to see how much your premium might be.

Does it cover dental treatment?

Yes, dental cover falls under the vet fees part of our cat insurance policy. We’ll cover your cat’s dental treatment if it’s because of an illness or injury. We’re sorry, but we can’t cover dental crowns, root canals or fillings.

What is Vet Assistance?

It’s a 24/7 vet advice helpline allowing Sainsbury’s Bank Pet Insurance customers to talk to a qualified team of vet nurses. If you’ve any questions or concerns about your cat’s health, don’t hesitate to give the team a call – any time of the day or night.

What does pet insurance cover for cats?

As well as dental treatments, our policies cover complementary treatments, physiotherapy, behavioural illnesses and herbal or homeopathic medicine. If your cat has any pre-existing conditions you can still take out pet insurance with us, but we won't be able to cover these existing illnesses.

Is it worth insuring an indoor cat?

While indoor cats are less prone to accidents outdoors the decision is up to you. Indoor cat insurance can still cover treatments for at-home injuries, as well as costly treatment of cat illnesses. It also promotes any routine care that your cat needs during its lifetime.

Can I get cat life insurance?

No, you cannot get cat life insurance, but cat lifetime insurance is the most comprehensive insurance cover we can provide for your furry companion. By renewing your policy, your insurance can pay out for every new condition each year and will last their whole life.

Terms and conditions

* The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to

** Based on website data between October 2023 and December 2023.

† Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month for each pet on a policy. Pets can have different cover levels. Discount deducted separately from any other offer.

Important information
Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.
Sainsbury's Bank plc acts as an introducer to Pinnacle Insurance plc who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. Sainsbury’s Bank plc and Pinnacle Insurance plc are not part of the same corporate group.