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Cat Insurance

Cat Insurance protects both your cat and you as the owner

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.
Kissavakuutus sopii niin rotu- kuin maatiaiskissoille.

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.