Cat Insurance

Cat Insurance protects both your cat and you as the owner

Unlimited free FirstVet remote vet consultations for your pet

With the Pohjola Cat Insurance, you gain access to the free FirstVet online veterinary service. If your cat needs to visit a veterinary clinic in addition to the online appointment, we recommend that you visit one of our veterinary clinic partners.

This is what the FirstVet online veterinary service can do for you

It’s advisable to register to the FirstVet service directly after purchasing the insurance. This way help is always close at hand, if your dog is injured or falls ill.

1. If you have any concerns over your cat’s health, always contact the FirstVet online veterinary service first.

2. With the FirstVet service, you can consult a vet remotely by means of a video call even during the same day.

3. The 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.

4. If FirstVet’s online vet recommends a visit to a veterinary clinic for further treatment, we recommend that you book an appointment with our veterinary clinic partner.

Explore the FirstVet service >

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 Pohjola Claim Help

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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.


Benefits for OP cooperative bank's owner-customers

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

Can I get a discount on my cat insurance?

When you are a Pohjola Insurance prime customer, you receive a discount on our cat insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurance policies conveniently online.

Cat Insurance for pedigree and domestic cats

Cat insurance provides cover for your beloved pet in case of illnesses and accidents throughout its life. You can personalise your Cat insurance just the way you like. By insuring your cat with medical treatment expenses insurance, you get the best treatment if your cat is sick or injured. 

What does cat insurance cover?

In its most comprehensive form, Cat Insurance covers veterinary expenses, examinations and medication prescribed by a vet. With the insurance, you can take your cat to the best treatment without worrying about high costs.

You can select three different covers for your cat insurance:

  • Medical treatment expenses insurance covers treatment expenses without an upper age limit if your cat is sick or injured. The insurance covers, for example, laboratory tests, X-ray and ultrasound scans, medication prescribed by a vet and dental care resulting from an accident or illness.
  • Animal Insurance for a pedigree cat pays compensation according to the cat’s value if your cat dies or is lost.
  • Animal liability insurance covers loss or damage caused by your pedigree cat to a person outside the family.

Did you know that veterinary expenses can unexpectedly rise as high as thousands of euros? That’s why we recommend that you always take out medical treatment expenses insurance for your cat. Our veterinary clinic partners use the direct claims service, and you only pay a deductible when you visit a vet. The clinic also takes care of filing the claim for you. 

By choosing medical treatment expenses insurance for your cat, you get free access to unlimited FirstVet remote veterinarian consultations. 

Insurance for kittens and adult cats

Cat insurance can be taken out for a kitten that is at least six weeks old. With insurance against unpleasant surprises, it is safe for a curious little kitten to explore its environment.

By buying insurance for a cat that is young and healthy and choosing 3,000 euros as the maximum insurance compensation, you get the most extensive cover for your cat. 

Cat insurance can also be purchased for an adult cat that is up to 7 years old. Medical treatment expenses insurance provides cover for your cat in case of illnesses and accidents throughout its life. Please note that liability insurance and death cover included in cat insurance expire after your cat turns 10 years old. 

Cat insurance covered veterinary expenses 

Veterinary expenses for Viiru the cat were 600 euros. The visit to the veterinarian was the first for the insurance period, so the deductible was 70 euros. The remaining amount was 530 euros, from which you pay a coinsurance of 40% or 212 euros. You pay a total of 282 euros for the visit to the vet, and Pohjola Insurance covers the remainder of 318 euros.  

If Viiru is taken to a veterinarian again during the same insurance period, you only pay 40% of the veterinary expenses. The deductible of 70 euros is only paid once during the insurance period.  

Cat insurance coverage

Choose your coverage and customise a Pohjola Cat Insurance that best suits your cat. 

Cover What do we compensate? Maximum 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*

*Valid until the age of 10

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

*Valid until the age of 10. Requires that you also include Animal Insurance cover

We compensate 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

How much does cat insurance cost?

The price of cat insurance depends on the scope of the insurance cover you have chosen, the details of the cat and your home municipality. Among other things, the age and breed of the cat, the deductible you have chosen and the maximum compensation affect the price. 

As a Pohjola Insurance prime customer, you also get a discount on cat insurance. If you are an OP cooperative bank owner-customer, you also get an additional discount and can use OP bonuses to pay insurance premiums. 

Submitting a health declaration for your cat is easy online

Cat insurance is granted on the basis of the animal’s state of health. Submitting a health declaration is easy at

Cat insurance can often be granted even if the cat is not fully healthy. The decision whether or not to grant the insurance is always based on information you give in the health declaration.

Cat insurance covers the medical treatment expenses of accidents and illnesses. If the illness began before the insurance was purchased, the treatment expenses are generally not covered. 

Is cat insurance valid outside Finland? 

Cat insurance cover is valid throughout the Nordic countries. The insurance is also valid temporarily, for a maximum of 12 months, in other EU countries, Switzerland and the United Kingdom. You can expand the territorial limits of medical treatment expenses and animal insurance by contacting our customer service team. 

If your cat is sick or injured while you are abroad, take it to a local vet for treatment. You can claim compensation for the veterinary expenses after the visit on OP-mobile or at

Insurance can help in many situations, but it does not cover everything. Remember to carefully read the contents of each insurance cover and exclusion clauses contained in the terms and conditions. Please note that we do not cover the costs of illnesses or accidents that occur before the insurance enters into force.

Cat insurance covers costs such as medication prescribed by a vet and bandaging, but not special diets or supplements, for example.

Dental care resulting from an injury or illness is covered, but not orthodontic treatment, tartar removal or deciduous teeth extraction.

Medical expenses insurance for a cat also does not cover, for example


  • preventive vaccinations or anal gland expression
  • treatment of a congenital or latent condition
  • treatment of behavioural problems
  • treatment of developmental disorders of the joints, bones or the respiratory system
  • costs of false pregnancy, sterilization, castration or deworming
  • physiotherapy, physical therapy, massage, acupuncture or laser therapy

Animal Insurance does not cover, for example:


  • if the death is due to a congenital or latent condition or a developmental disorder of the joints or bones or
  • if the euthanasia is due to a behavioural problem.

The accidental death of a cat kept in a home can be compensated from the home contents insurance for up to €1,500. However, home insurance will not cover veterinary expenses or death resulting from an illness. Nor will home insurance compensate for damage caused by the cat, for example, by tearing, scratching or biting furniture and surface structures.

You can get Pohjola Cat Insurance even if you do not have Pohjola Home Insurance.

As a Pohjola Insurance prime customer you will receive discounts benefits. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts and the bonuses you have received as an owner-customer are used for your insurance premiums.

The insurance is issued by Pohjola Insurance Ltd.