Browse through our handy list of helpful guides and information
Why choose our for your cat?
At Sainsbury’s B@nk, we’ve got you and your cat covered. With a choice of time limited, maximum benefit and lifetime cover, 24/7 vet support and extra savings and discounts, our cat insurance will leave you purring.
- Cover that meets your cat’s needs
Choose from four levels of lifetime cover (£2,500, £5,000, £7,500 or £10,000), two levels of maximum benefit cover (£3,000 or £6,000) or £3,000 time limited cover - Extra discounts for Nectar members
Save more on your cat insurance if you’re a Nectar member* - Double your Nectar points
Get protected and we’ll double your Nectar points on your Sainsbury’s shopping and fuel** - Manage your policy online
Get claims information and make changes to your policy on My Pet Portal - Vet Assistance, day or night
24/7 access to qualified vet nurses over the phone or via live chat - Multi-pet cover – insure more, spend less
Get a discount of £1 per pet per month when you buy our multi-†
What your cat’s covered for
With their playful nature and hunting instincts, it’s no surprise that cats get into scrapes. But when accidents and injuries need treating, expensive vet fees can leave you out of pocket.
With our cat insurance, there’s no need to worry – we can help cover the cost of your favourite feline’s vet fees. You'll also get additional benefits as standard, including cover for cattery fees if you're hospitalised for over 48 hours (that's up to your policy limit and when your cat stays at a licensed cattery).
| Benefit | Time limited Covers each condition for up to 12 months or up to max amount below Learn more |
Maximum benefit Covers up to the max amount per condition Learn more |
Lifetime Covers up to max amount each year Learn more |
|---|---|---|---|
| Treatment period | 12 months | unlimited | unlimited |
| Treatment basis | per condition | per condition | per year |
| Veterinary fees |  |
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| Veterinary helpline | |
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| Additional benefits | |
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| Holiday cover | |
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collapsed 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 , 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.
collapsed 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 | £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 |
collapsed 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.
Get a cat insurance quoteWhat cover’s right for your cat?
When you’re ready to insure your cat, you have a choice of three types of : time limited, maximum benefit or lifetime cover.
Lifetime cover
This is our most comprehensive . Your cat will be covered for total vet costs of up to £2,500, £5,000, £7,500 or £10,000 per year depending on the level of cover you choose. We can pay out for ongoing issues it may have throughout its lifetime – for as long as you’re with us.
For example, if your cat develops a chronic condition while you have £7,500 Lifetime cover with us, we'll cover vet costs for this condition up to £7,500 each year - for as long as you're with us. If your cat develops more than one chronic condition, we'll cover the vet costs up to a combined total of £7,500 each year - for as long as you're with us.
Find out more about lifetime coverMaximum benefit cover
With our maximum benefit cover of £3,000 or £6,000 your cat will be covered for accidents, illnesses and conditions up to your chosen policy cover limit.
Unlike lifetime , a maximum benefit policy doesn’t reset each year. Your pet’s condition will simply be covered until the limit runs out and you reach the maximum benefit.
Unlike time limited policies, there’s no time limit on reaching the maximum benefit. So as long as you renew your policy each year without a break in cover, your pet’s illness, injury or condition could be covered for a number of years.
For example, if you have our £3,000 Maximum Benefit cover, you can claim up to £3,000 to cover vets costs and treatment for every new condition your cat comes down with. But once you reach the £3,000 limit for a condition, that condition will no longer be covered.
Find out more about maximum benefit coverTime limited cover
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.
For example, with our £3,000 Time Limited cover, you can claim up to £3,000 or up to 12 months from the first date of treatment - whichever comes first. But once your maximum benefit is reached, your cat will no longer be covered for this particular condition, even if you choose to renew.
Find out more about time limited coverWhat age can my cat be insured?
You can insure your kitten as soon as they’re eight weeks old. And we’ll start a new policy for your cat right up to its 10th birthday. Don’t worry, once your cat is insured, you can cover it up to any age, as long as you keep renewing your policy without a break.
If your cat has any pre-existing conditions you can still take out with us, but we won't be able to cover your cat's pre-existing conditions.
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.
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.
Get a cat insurance quoteGot more than one pet?
Be the cat that got the cream – save with our multi-pet policy.†
Insure multiple petsAny questions?
Got a question about Sainsbury’s B@nk cat insurance? We’ve got the answers to some of the most common questions we hear from cat lovers like you.
Get an answerNeed to talk to us?
Find the details you need in our FAQs.
collapsed Terms and conditions
*The discount is based on information related to you and the Sainsbury’s and Sainsbury’s B@nk transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy
**Double Nectar points.
1) Only available to customers buying a new Sainsbury's B@nk policy.
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 when the policy is cancelled or you stop paying premiums.
5) Each Nectar account can only collect points from one 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 B@nk (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 B@nk 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 B@nk plc.
Sainsbury's B@nk 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 B@nk plc and Pinnacle Insurance plc are not part of the same corporate group.