Cat Insurance
If your cat gets injured or falls ill, veterinary visits can be costly.
We therefore recommend insuring your cat, so it can receive the medical care, diagnostics, or medication it needs without leading to significant expenses.
Frequently Asked Questions
Cat Insurance
What type of insurance is this?
Cat insurance combines three main types of coverage: life insurance, medical cost insurance, and liability insurance. You can purchase each individually or combine them for broader protection.
What is covered? | What is not covered? |
|---|---|
| Life insurance pays benefits: | Life insurance does not pay benefits: |
If a cat dies from a disease or injuries, or if a veterinarian determines that the cat must be euthanised as a result. | For diseases and injuries that occurred before the insurance took effect or within 30 days of it taking effect. |
If a cat has to be euthanised due to aggression, hip dysplasia, hereditary diseases or by order of the authorities. | |
| Medical expenses insurance covers: | Medical expenses insurance does not cover: |
Veterinary treatment. | Diseases or injuries that occurred before the insurance took effect or within 30 days of it taking effect. |
Medication. | Castration or sterilisation if a veterinarian does not consider it necessary. |
Necessary examinations, such as X-rays, electrocardiograms and biopsies. | |
| Liability insurance covers: | Liability insurance does not cover: |
Liability that falls on the owner of a cat according to Icelandic law. | Damage to the family of the person responsible for the cat. |
Damage caused by not following laws and regulations on treatment of animals. |
Any limitations on what the insurance covers?
The life insurance does not pay benefits for Feline Infectious Peritonitis if the cat has been insured with Sjóvá for less than one year.
Where is the insurance valid?
The insurance is valid in Iceland.
What responsibilities do I have?
You must report any damage as soon as possible and no later than one year from the date of the damage.
You must ensure that all the information in the insurance policy is accurate.
You must inform us of any changes in your address, telephone number, and email address.
You must follow all the precautions in the terms of the insurance policy.
When and how do I pay the premium?
The premium must be paid on the due date. When the insurance policy is issued or renewed an electronic claim is created in your online bank. You have the option to distribute the premium payments by:
Credit card payment, where the premium is charged monthly to a credit or debit card.
Direct payment, where your bank account is debited monthly.
Corporate distribution, where the premium can be paid in monthly payments.
When does the insurance start and when does it end?
The insurance policy takes effect when an offer is accepted and is renewed annually until it is canceled.
How do I cancel the insurance?
Individuals and companies with fewer than five full-time positions can cancel the insurance at any time and it will expire at the end of the following month after the cancellation is received. Other companies can cancel their insurance one month in advance before the end of the insurance period.
The cancellation must be in writing, for example with an electronic signature.