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. 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.


Owner-customer benefits

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

Dear pets, both pedigree and domestic cats need good care especially if they fall ill or injure themselves. 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.

What does cat insurance cover?

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.

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.

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 €

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.

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. You can compare the cover options and prices of cat insurance in our online store.

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.

The cat insurance is automatically valid in the Nordic countries. The insurance may also be valid in other EU countries, the UK, and Switzerland; however, not for more than 12 months consecutively. You can extend the territorial limits through a supplementary agreement and additional premium. Please contact our Customer Service if you want to extend the territorial limits.
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.