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Kitten insurance

We've got you and your kitty covered with our kitten insurance. Browse our cover and discover Nectar member discount* and Vet Assistance support that comes with our policies.
Provided by Pinnacle Insurance plc.

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Why choose our pet insurance for your kitten?

When you get your cute little kitten, the last thing you want to think about is them falling ill or getting injured. But accidents happen. And when they do, we can be there to help you. With Sainsbury’s Bank Pet Insurance, we can protect your kitten from just eight weeks old (kitten insurance is covered under our cat policy).

  • Choose from time limited or a range of lifetime policies – with cover from £2,500 to £10,000 a year
    We’ll cover your kitten for any new illness up to an approved cost limit. Renewing your policy each year can also cover your kitty for a lifetime
  • Get direct access to qualified vet nurses, day or night, with 24/7 Vet Assistance
    All Sainsbury’s Bank Pet Insurance customers have access to a 24/7 vet advice helpline as standard
  • It’s quick and simple to make and manage claims online with My Pet Portal 
    View your pet insurance documents online, edit your details and make vet fee claims
  • If you have another pet, you could add your kitten to our multi-pet insurance and save £1 per pet per month† 
    You can save at least a minimum of £24 to insure more than one pet on a multi-pet policy
  • Extra discounts are available for Nectar members* 
    You can save more on your kitten insurance if you’re a Nectar member

What your kitten's covered for

When pet health problems or injuries need expert veterinary care, you can soon find yourself out of pocket. But when you protect your kitten with us, you've got one less thing to worry about.

No matter what product you choose, we’ll cover the cost of selected vet fees. This includes dental treatment and physiotherapy – up to the limits shown below and in your certificate of insurance.

You’ll also get additional benefits as standard, including cover for emergency cattery fees, though terms and conditions do apply. See our policy guide for full limitations.
Benefit Time limited
Covers each condition for up to 12 months or up to max amount below
Maximum benefit
Covers up to max amount each year
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 (excludes routine dental treatment, terms & conditions apply) 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

Please note, all treatments need to be referred by a vet. 

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 (local advertising only) £1,000 £1,500 up to £2,000
Theft or straying (your dog must be microchipped) £1,000 £1,500 up to £2,000
Emergency cattery fees (if you're ill/injured 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 the cost of 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 is the best kitten insurance?

When you protect your kitten with us, you’ve got a choice of time limited or three levels of lifetime cover. What product and level of cover is best will completely depend on your personal circumstances and your new kitten’s needs.


With our most comprehensive pet insurance your kitten is covered up to the maximum benefit shown on your insurance certificate each year – and we can pay out for ongoing issues it may have throughout its lifetime. 

Keep renewing your policy every year and it’ll last for your kitten’s lifetime. We’ll pay out for new conditions developed after your policy begins, up to the policy limits each year. Our lifetime insurance covers emergency cattery costs if you’re unable to look after your kitten, dental cover, selected vet bills and more.

Apply for lifetime cover

Max benefit

Our max benefit cover can protect your kitten for two maximum limits – either £3,000 or £6,000 per year.

With this type of cover, you can claim vet fees for conditions that your kitten develops during the duration of your policy multiple times, up to the maximum limit that you choose. Once you reach that cover limit for one condition, you can still be covered for other conditions your kitten suffers from.

Apply for max benefit cover

Time Limited

With time limited cover, each condition is covered for 12 months or until the maximum benefit is paid for that condition – whichever comes first.

As this is for a limited amount of time, your kitten will receive cover for the set time and if you wish to have continuous cover, you need to renew your policy at the end of that period. Time limited cover can be a useful option for accidents and short-term conditions that your kitten develops.

Apply for time limited cover

Why buy kitten insurance?

With curious claws and precious paws, kittens are mischievous pets and their nosey nature can lead to accidents that require medical care. Your new kitten may be a furry ball of fun, but the associated costs aren’t.

Vet bills can add up quickly and kitty care costs can soon mount up. But even still, you might wonder if it’s worth insuring your kitten or waiting until they’re a little older?

When you take out a kitten insurance policy from us, you can expect:

  • Vet cost cover that can be a lifesaver, in the event of an injury or illness.
  • Cover on a wide range of treatments, from physiotherapy to complementary therapies.
  • Flexibility, with a selection of insurance cover to choose from, helping you select the best one for your kitten.
  • Multi-pet discount, if you have more than one pet you need to insure.
  • Your furry feline to be in good hands 24/7, with around-the-clock vet expertise available from Vet Assistance.

What does kitten insurance cover?

At Sainsbury’s Bank our kitten insurance means your kitty is in the best hands 24/7. Depending on what type of cover you choose, pet insurance for your kitten can include the following:

  • Vet fees up to £10,000, depending on your policy

If your kitten is unwell or injured, your insurance can cover some of the cost.

  • Missing pet cover

If your kitten gets lost, our policies can help cover the cost of setting up posters and even fund a reward.

  • Cattery fees

We can help to pay for your kitten to be put in a cattery if you’re in hospital and unable to care for them.

  • Death by accident or illness

It’s the last thing you want to think about, our kitten insurance policies can reimburse you for the cost that you paid for your kitten, should the worst happen.

  • Euthanasia, cremation and burial

In some instances, your policy may cover these costs, although this is something you hopefully won’t need to consider for a while.

What isn’t covered by kitten insurance?

Policies can vary, and as with any pet cover, there are some exclusions from kitten insurance plans. These include:

  • Pre-existing medical conditions

This involves any illness or health issue that existed prior to you taking out your kitten insurance policy. These fall into two categories: historic conditions (from the past) and chronic conditions (persisting for a long time or constantly recurring).

  • Illnesses and injuries that occur during the initial waiting period

Any illnesses that begin within the first 14 days of your insurance policy will not be covered.

What to consider when buying kitten insurance

Your kitten may have less health issues than an older cat, but there are still some factors you’ll need to consider before getting a quote with us. You’ll want to be sure you’re getting the best insurance for your kitten, so here are the top things to think about before you choose a policy:

  • Age
  • Size
  • Breed
  • Conditions
  • Behavioural history
  • Medical history

Other factors like how much you paid for your kitten and if it has been neutered or spayed, are also important.

Once you’ve thought about these factors and provided this info when you apply, we’ll help you find the right kitten policy for you and your pet. 

If you’re still undecided, it’s worth considering what could happen if you didn’t have insurance, should anything go wrong.

Vet bills can mount up if your kitty starts having health troubles. It can be stressful enough looking after a poorly pet, without having additional money worries. An insurance policy can help ensure you’re not caught out and are covered when bills arrive.

Kitten care guides

Get some help welcoming your new kitten into your world with our handy guides and information.

Pet guides

Prepare for your kitten

Get prepped and ready for your new kitten with this go-to guide

Pet guides

Get a pet-friendly home

Create the perfect kitten cove with our handy hints and tips

Pet guides

Pets reunited

If your new kitten goes missing, follow this guide to help get it back

Need more help?

Can't decide which pet is right for you or your family? We've got lots more information to help you decide.

Ready to protect your kitten?

If you’d like to get a quote for your pet insurance, you can get started right away. If you’re ready, we’re ready.

Got more than one pet?

If you’ve already got pets at home, you can save even more money by adding your new kitten to a multi-pet policy.†

Any questions?

We’ve got the answers to some of the most common questions we hear about pet insurance.

Need to talk to us?

Call 0344 543 1032.

We’re here Monday to Friday, 8am-6pm and Saturday, 9am-1pm. Calls are charged at local rates from landlines and mobiles and may be monitored and recorded. You can also find support online. 

Get in touch with us

Frequently asked questions

From what age can I insure my kitten?

With Sainsbury’s Bank Pet Insurance, you can insure your new kitten from eight weeks of age. Once your kitten’s insured, you can cover it up to any age, as long as you keep renewing your policy without a break. You can take out a new policy up until their 10th birthday.

How can I keep my kitten healthy?

Once you get your new kitten, you should register them with a vet within the first few weeks and arrange a full health check. This should cover microchipping, vaccinations, flea treatments and worming. Your kitten can be spayed or neutered from as early as four months old.

Learn more about pet health and wellbeing in our guide.

What health issues can affect my kitten?

Your kitten is most vulnerable to health issues in the first few weeks of their life. Some of the main conditions to look out for in your kitten are:

  • Worms
  • Upper respiratory infections
  • Fleas
  • Ear mites
  • Coccidia (an intestinal parasite that causes dehydration and diarrhoea)

Are kittens more expensive to insure?

The age of your kitten can determine your pet insurance policy. Younger cats tend to cost less to insure than older ones, as they are less susceptible to health issues or medical conditions.

Discover why you need pet insurance.

Is it worth insuring an indoor kitten?

It’s up to you as an owner, but bear in mind that both indoor and outdoor kittens are prone to accidents. Pet insurance can still cover treatments for injuries in the home, as well as costly treatment of illnesses.

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

† 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.