Cat insurance
99% of claims paid within 5 working days^. 27/4 Vet Assistance Up to £10,000 vet fee cover. Dental cover as standard.
Pet insurance provided by Pinnacle Insurance Ltd.
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 Money:
- Award-winning
We’re proud to be named Defaqto’s Pet Insurer of the Year 2025/26 - 5 star rated cover
Our cover over £4,000 is Defaqto 5* expert rated (Time Limited cover excluded) - Flexible insurance that meets your cat’s needs
Choose from lifetime, time limited or maximum benefit cover and get vet fee cover up to £10,000 - No upper age limit
Cover available for cats of all ages. Starting from 8 weeks old - 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 with our multi-pet insurance † - Extra discounts for Nectar members
As a Nectar member, you get an extra discount on your pet insurance Δ - Manage your policy online
Get claims information and make changes to your policy on My Pet Portal
What your cat is 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 | Lifetime - 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 | 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 that 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 | Time limited £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.
Need more information?
Any more questions about Sainsbury’s Pet insurance? We’re here to help. Check out our FAQ and support page 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 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.
Helpful guides for your cat
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.
Frequently asked questions
Any more questions about Sainsbury’s Cat insurance? We’re here to help. Check out our FAQ and support page for more.