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.
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? |
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| Life insurance pays benefits: | Life insurance does not pay benefits: |
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| Medical expenses insurance covers: | Medical expenses insurance does not cover: |
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| Liability insurance covers: | Liability insurance does not cover: |
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The life insurance does not pay benefits for Feline Infectious Peritonitis if the cat has been insured with Sjóvá for less than one year.
The insurance is valid in Iceland.
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.
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.
The insurance policy takes effect when an offer is accepted and is renewed annually until it is canceled.
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.
