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Cat Insurance

Cat Insurance protects both your cat and you as the owner

Use our FirstVet online veterinary service and our veterinary clinic partners

With the Pohjola Cat Insurance you gain access to the free FirstVet online veterinary service, and in case of loss or injury, our veterinary clinic partners will help. As a fixed-time benefit you also have access to the Kitten Advisory Service for your cat below 1 year of age, through which the vet provides information on the kitten stage, on the care of a kitten and its development.

Free and unlimited access to FirstVet online vet service

The Pohjola Cat Insurance gives you free and unlimited access to the Firstvet online vet service, if you include a medical treatment expenses insurance for costs relating to health care. 

If you have concerns about the health of your cat, with the FirstVet service, you can consult a vet remotely by means of a video call – even during the same day. The FirstVet online vet will give you an evaluation of the cat’s state of health and instructions for further treatment, if necessary. If no further measures are needed, you will get clear instructions for home care. 

The offer is available until the end of 2019 and the need for the service is reassessed annually.

Read instructions on the FirstVet service in Pohjola Claim Help

Fixed-term benefit: Kitten advice on your kitten

Do you have a kitten or are you planning to buy one? 

If you protect your cat with the Pohjola Cat insurance no later than on 15 September 2019, you will get the Kitten advisory service for your cat free of charge. During the virtual visit, the veterinarian will give you information on the kitten stage of the breed of your cat, its development and what you should consider at various stages of the cat’s life. 

The benefit is available to all Pohjola Cat insurance policies including medical treatment expenses insurance bought no later than 15 September 2019. You must also use the Kitten Advisory Service consultation no later than 15 September. The service is provided by FirstVet AB.

How to utilise the fixed-term Pup Advisory Service benefit

Vet clinic partners for the benefit of your cat

If your cat falls ill or is injured and requires treatment, you can go directly to our veterinary clinic partner. Our partner will provide the care your cat needs, and you do not have to make a loss report afterwards. Our partner will take care of filing a claim for you at the clinic. At the clinic, you only pay the deductible in accordance with your Cat Insurance, and the clinic will invoice Pohjola Insurance for the remainder of the fee.

Look for a local partner att OP Claim Help

The TassuApu service stores the data of your cat

The TassuApu web service helps keep your cat’s health and hobby information handily stored and up-to-date. As a Pohjola Cat Insurance customer, you get TassuApu free of charge for three months.

Learn more about TassuApu

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Best treatment throughout your cat’s life

OP Cat Insurance covers veterinary expenses and medication throughout your cat’s life with no upper age limit


Insurance befitting your pedigree cat

Cat insurance compensates you appropriately if it dies or disappears.


Owner-customer benefits

As an owner-customer, you will get a discount on your policies and also receive OP bonuses.

Cat Insurance for pedigree and domestic cats

Dear pets, both pedigree and domestic cats need good care especially if they fall ill or injure themselves. Cat Insurance covers veterinary expenses, examinations and medication prescribed by a vet, so you can give your cat the best possible treatment without having to worry about the costs.

You can adjust your Cat Insurance just the way you like. For example, you can adapt the Animal Insurance of a pedigree cat also to cover its death or disappearance, and receive compensation according to the cat’s value.

Cat Insurance covers, for example, if
  • you cat falls ill or is injured
  • your pedigree cat dies or disappears
  • your pedigree cat causes a loss to a person outside the family.
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Cover for veterinary expenses already as kitten

Cat insurance can be taken out for a kitten that is at least six weeks old. It is safe for a curious little cat to study its environment when it is insured against nasty surprises.

Cat Insurance may be granted to cats under the age of 7. The insurance provides cover against Illness and accidents throughout the cat's life with no upper age limit. To get the best cover for your cat, select a maximum compensation of 3,000 euros for your insurance. Please note that death cover and liability loss and damage covers included in Cat Insurance expire after your cat turns 10 years.

Choose your covers for an Pohjola Cat Insurance that best suits your cat

Cover What do we compensate? Maximum amount of compensation Deductible
Medical treatment expenses insurance We compensate your cat’s veterinary expenses with no upper age limit.

We compensate your cat’s veterinary examinations and treatment as well as the costs of prescription medication necessary for treating the illness or injury.
Depending on your selected maximum compensation, either €1,000 , €2,000 or €3,000.

Your selected maximum compensation will decrease by 20% from its initial value per insurance period after your cat turns 10 years.
€70 per insurance period and either 30% or 40% of excess costs, depending on your selection.
Animal Insurance We compensate if your cat passes away or is lost before it has turned 10 years.

We will compensate for financial loss if your cat passes away or is lost/stolen or must be put down for animal welfare reasons.
Your selected sum insured 0 €
Animal liability insurance*

*Requires that you also include Animal Insurance cover
Liability insurance until your cat turns 10 years.

We will reimburse for bodily injury or material damage caused by your cat to a third party when you are liable for the damages under law.
Up to €85,000 150 €

Cats’ typical illnesses include various tooth infections. Fortunately our cat insurance compensates expensive feline treatments without any major restrictions!

Anu Mikkonen Claims Advisor, Pohjola Insurance

The cat’s health declaration is easy to fill in online

Cat insurance and other animal insurance are granted on the basis of the animal’s state of health. A cat’s health declaration is easy to fill in online when you take out the policy.

Cat insurance can often be granted even if the cat is not fully fit. The decision is always made on the basis of the health declaration.

Cat insurance compensates the treatment of accidents and any illnesses that occurred after the policy was taken out, so as a rule no illness that existed before the policy was taken out will be compensated. When you take out cat insurance when your pet is still young and healthy, you ensure the best coverage possible.

The accidental death of a pet kept in the home will be compensated for up to 1,500 euros under MyHome Insurance. 

Vet’s bills and death of a pet caused by illness, however, will be compensated under the dog’s or cat’s own insurance. Dog or cat insurance can also be taken out without home insurance.

Please note that home insurance does not cover loss or damage caused by a pet through chewing, tearing or scratching.

Owner-customer benefits

If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.

Other benefits

  • A 40% increase in the sum insured under life insurance
  • 200-euro benefit of the deductible under MyHome Insurance
  • one-year, free-of-charge life insurance for parents with a child under one year of age

OP bonuses

Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid with OP-Visa credit.

OP bonuses are used for the bank’s service charges and insurance premiums.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.