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Sainsbury's Bank

Cat insurance

Protection and peace of mind. Provided by Pinnacle Insurance plc.

Need any information? Just ask us a question.

Why choose our cat insurance?

  • Flexible insurance that meets your cat’s needs
    Choose from three types of insurance – plus 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
    Save more on your cat insurance if you’re a Nectar member *
  • Double your Nectar points
    We’ll double your Nectar points on Sainsbury’s shopping and fuel for 12 months when you purchase by 31/05/2022 **
  • Manage your policy online
    Get claims information and make changes to your policy on My Pet Portal

What your cat's covered for

With our cat insurance, we can help cover the cost of your favourite feline’s vet fees – so there is no need to worry.
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.


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

With time limited cover, each condition is covered for 12 months. This starts from the first date of treatment, or until the maximum benefit of £3,000 is paid out – whatever comes first.

After this, you’ll need to cover the cost for any further treatment your cat might need.


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.

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.

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.†

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.

Helpful guides

Browse through our handy list of helpful guides and information

Health and wellbeing

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

Pet insurance glossary

Get to know your cover

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.

Contact details.

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

** Double Nectar points
1. Offer available to customers buying a new pet insurance policy by 31/05/2022.
2. You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, with each Sainsbury’s purchase.
3. Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us. 
4. Double points stop 12 months after your policy start date or when the policy is cancelled or you stop paying premiums - whichever happens first.
5. Each Nectar account can only collect points from one pet insurance policy.
6. It’s only the base points you collect at Sainsbury’s that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s Bank (including travel money purchases), Sainsbury’s Energy or any other Sainsbury’s service.
7. By the 10th of each month, you'll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points.
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9. We reserve the right to change or cancel this offer without notice.

† 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.