Our Cat and Kitten Insurance

Cats provide companionship and entertainment in equal measure, making them an important part of your family. Keep them protected with cat insurance from Tesco Bank. We've got four cover levels and extra features to help give you peace of mind:

    • Get a guaranteed discount if you’re a Clubcard member. All you need to do is tell us your Clubcard number when you get a quote.
    • Choose from: Premier, Extra, Standard or Accident and Injury cover for cats and kittens from eight weeks old.
    • Our Premier cover for cats means you have cover for a one off or ongoing condition, with the vet fees limit reinstated each year on renewal as long as you renew your policy with us and there is no break in cover. Our Premier Cover has a Defaqto 5 Star Rating, for policies with £4,000 or more vet fees. This means it has a comprehensive level of features and benefits.
    • If your cat goes missing or is stolen, we'll pay up to £1,000 for advertising (including up to £200 for a reward) as part of our Premier, Extra and Standard cover. Find out more
    • If your pet becomes unwell or you need advice on any pet related questions or concerns, you'll have unlimited 24/7 access to free telephone and video calls with vetfone™ provided by Vetsdirect Ltd. You can also upload photos whilst on a phone or video call.
    • Insure multiple pets and get a discount on each additional pet you add to a policy when you buy Standard, Extra and Premier cover. Accident and Injury cover is excluded.
    • Tesco Bank Pet Insurance is arranged, administered and underwritten by Royal & Sun Alliance Insurance Ltd. vetfone™ is provided by Vetsdirect Ltd.
    • Excesses will apply to your policy, which will affect the amount of premium you pay, and the amount you pay towards any vet treatment. When your pet turns 8, the amount you pay if they need vet treatment may increase. More on excesses

    It's important you budget for renewal prices to increase as your pet gets older.

    Accident Only - There are a number of reasons including new developments in diagnosis and treatment which have meant vets can give pets even better care, which is great news for your pet but means an increase in vet costs. There is no limit to how much your renewal price can increase over time.

    Standard, Extra, Premier - Like us, as pets get older, sadly they're more likely to get ill. In fact, our claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year, and your excess may increase when your pet turns 8.

    How much they go up is different for everyone and depends on things like your pet's breed, their age and health, and there is no limit to how much your renewal price can increase over time.

    If while insured with Tesco Bank Pet Insurance, your pet starts to develop an ongoing illness, like diabetes or arthritis, or a reoccurring illness like an ear infection you may find it difficult to get those things covered elsewhere and it can be harder to insure older pets. But rest assured, as long as you renew your policy and there is no break in cover you’ll be covered up to the vet fees limit you’ve chosen.

    Please note in exceptional circumstances we may choose not to offer renewal. But don’t worry, if that’s the case we will let you know in advance of your renewal date.

      Before you get your Pet Insurance quote

      Please read carefully through the important information below before you progress.

      Data may be obtained from and shared with the wider Tesco Group, Credit reference agencies and fraud prevention agencies on an ongoing basis. Information on how we collect and use your personal data (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice. Find out more


          Talk to us through Live Chat

          Ask a general question about your quote or policy, make changes and payments or chat to us about your renewal. We're open Monday to Friday 8am-6pm and Saturday 9am-5pm


          Why choose our Cat Insurance?

          • ratings icon
            Our Premier Cover has a Defaqto 5 Star rating, for policies with £4,000 or more vet fees
          • Telephone icon
            Unlimited access to experts 24/7 via free telephone or video call with vetfone™ provided by Vetsdirect Ltd. 0800 197 4949
          • Payment icon
            We can pay claims direct to your vet, if they’re happy to receive direct payments. Excesses will apply.
          • Tesco Clubcard
            Guaranteed discount for Clubcard members

          Defaqto 5 Star rated Premier Cover

          Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision making. Tesco Bank Pet Insurance Premier Cover has a Defaqto 5 Star Rating, for policies with £4,000 or more vet fees. This means it has a comprehensive level of features and benefits.

                We’re Defaqto 5 star rated

                Protect your feline friend with lifetime cover

                We appreciate that your cat is a big part of your family. That's why we also offer lifetime Premier Pet cover to help keep them covered for years to come. It comes with vet cover limits up to £10,000, which resets each year (if you pay your premium and continue to renew your policy). Please note: in exceptional circumstances we may choose not to offer renewal. But don't fret, if that's the case, we'll let you know in advance of your renewal date.

                Compare cover levels for your cat

                Balancing the right protection for your pet with the ongoing cost of pet insurance can be tricky. That’s why we’ve got a range of cover levels to choose from. Our comparison tables should help you compare our four cover levels, and make it easy to get an overview of what Tesco Bank Pet Insurance offers.

                Important information

                Policy booklets

                Policy booklets

                Please read the policy documents to make sure that the cover level you've selected meets your needs.

                The policy booklet also contains information on cancellation rights.

                  Renewal costs

                  Renewal costs

                  It's important you budget for renewal prices to increase as your pet gets older.

                  Accident Only - There are a number of reasons including new developments in diagnosis and treatment which have meant vets can give pets even better care, which is great news for your pet but means an increase in vet costs. There is no limit to how much your renewal price can increase over time.

                  Standard, Extra, Premier - Like us, as pets get older, sadly they're more likely to get ill. In fact, our claims data shows that the cost of looking after your pet's health doubles every four to five years. That's why your renewal price increases each year, and your excess may increase when your pet turns 8.

                  A claim being paid also increases the chance that a future claim will be made and can therefore also cause your renewal price next year to double.

                  How much they go up is different for everyone and depends on things like your pet's breed, their age and health, and there is no limit to how much your renewal price can increase over time.

                    Excesses

                    All claims are subject to excesses

                    Various excesses apply to your policy. Read our page on excesses for more information.

                      How we use your data

                      We'll search our records for your Tesco Clubcard number, and we may access and use information (including transactional information, name and address) from your Clubcard. This will help us and your insurer to assess your premium and will only be used to make a positive impact on your premium.

                        How we collect and use your personal data

                        Tesco Personal Finance plc, trading as Tesco Bank as part of the Tesco Group and the insurer who may underwrite your policy take the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our Privacy Notice.

                        We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation, do not purchase or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.

                        We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime.

                        We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.

                        Data may be obtained from and shared with the wider Tesco Group and fraud prevention agencies (FPAs). The FPAs will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected this may be shared with other organisations and you could be refused certain services, finance or employment.

                        By proceeding with your application you acknowledge we can use your data in this way.

                          Eligibility and Exclusions

                          All policies

                          • Pets must be at least eight weeks old when cover starts, any pre-existing injuries and illnesses are not covered.
                          • Monetary limits, excesses and exclusions apply.
                          • Certain breeds of cat and dog are not covered, including Pit Bull, Pit Bull type, Japanese Tosa, Fila Brazileiro, Dogo Argentino, American Bulldog, Wolf or Wolf hybrid or of any breed not on our breed list unless we have agreed to cover it.

                          We do not offer cover if:

                          • You have ever had an insurance policy declared void or cancelled by an insurer.
                          • Your pet is used for breeding (this means used for breeding more than two times in its lifetime).
                          • Your pet is used as a business or to make money or earn an income.
                          • Your dog is trained to attack, used for security or as a guard dog.

                          Accident and Injury​

                          Illnesses are not covered unless the illness develops from accident or injury your pet suffers while insured under this policy.

                          Accidents within the first 5 days of your policy first starting, or any illness or injury that develop from them.

                          No cover for cruciate ligament* problems however caused.

                          This policy will not cover health issues, concerns, illnesses and injuries which you or your vet were aware of before you took out the policy, they are known as pre-existing conditions. Pre-existing conditions are:

                          • signs or symptoms of diagnosed or undiagnosed injuries or illnesses.
                          • existing illnesses or injuries.
                          • existing physical abnormalities.
                          • existing illnesses, injuries or physical abnormalities which lead to other health issues or injuries.
                          • illnesses or injuries which are medically linked to existing illnesses, injuries or physical abnormalities.

                          Standard, Extra and Premier

                          Cruciate* problems which you or your vet were aware of in the first 14 days of your policy first starting however caused, or any arthritis, illness or injury that develops from them.

                          Parvovirus, hepatitis, distemper, leptospirosis in dogs or feline leukaemia, cat flu or infectious enteritis in cats if you have not had your pet vaccinated against them and kept the vaccinations up to date.

                          Illnesses which you or your vet were aware of in the first 14 days of your policy first starting, or any illness that develops from them are not covered. By illness we mean, both diagnosed illness and signs or symptoms of illness (undiagnosed illness). These include:

                          • signs or symptoms of diagnosed or undiagnosed injuries or illnesses.
                          • existing illnesses or injuries.
                          • existing physical abnormalities.
                          • existing illnesses, injuries or physical abnormalities which lead to other health issues or injuries.
                          • illnesses or injuries which are medically linked to existing illnesses, injuries or physical abnormalities.

                          We consider the following to also be pre-existing conditions:

                          • treatment of cruciate ligaments* in the second leg if one leg has shown signs, been diagnosed or been treated for cruciate ligaments before you took out the policy.
                          • treatment of spinal disc† problems if any disc has shown signs, been diagnosed or been treated for spinal disc problems before you took out the policy.

                          * The cruciate ligaments are deep within the knee joint. There are two in each knee and they help keep the joint stable and make sure it only moves in a certain way.

                          † Discs are located between the bones of the spine. They are found along the entire length of the spine.

                            Lost pet cover

                            Cover for lost or missing pets

                            If your pet goes missing, the Standard, Extra and Premier cover levels of Tesco Bank Pet Insurance will cover your advertising costs up to £1,000, including a reward of up to £200. If the worst happens and your cat isn't found within 45 days, we’ll also cover what you paid or donated when you bought them, up to a cost of £1,500.

                              Cat care guides

                              First time cat owner?

                              If you've never had a pet before, this starter guide is full of tips to help you prepare your home, buy the essentials, and know what to expect.

                              Top 9 cat care tips

                              How do you make sure your cat is happy and healthy for years to come? From diet and grooming, to exercise to play, this guide has 9 top tips to help care for your cat like a pro.

                              How’s your cat feeling?

                              Cats have a reputation for being moody, but in reality they may be feeling a number of things at any one time. Learn how to read their behaviour and keep them happy with this guide.