Is Pet Insurance Worth It for Indoor Cats?

Is Pet Insurance Worth It for Indoor Cats?

by Scritch

Most cat lovers know that your cat is safest when he’s kept indoors. Keeping your cat inside protects him from accidents and injuries such as those involving cars, dogs, other cats, or eating something poisonous. It also protects him from being exposed to contagious diseases like FeLV (Feline Leukemia) and FIV (Feline Immunodeficiency Virus). Your cat’s chances of getting skin cancer are greatly reduced if he stays indoors because kitties who get that extra sun exposure from being outdoors are more likely to develop squamous cell carcinoma.

Unfortunately, keeping your cat indoors doesn’t mean they’re protected from everything. There are many hazards that can afflict an indoor cat: a new kitten who has fallen from a countertop can hurt his leg, or a senior cat with arthritis may need ongoing care. Indoor kitties can also suffer from chronic ailments like cardiac issues, diabetes and kidney disease. By enrolling cats in pet insurance when they are young, issues that frequently pop up as cats age will be covered. 

From kittens to seniors

By keeping your cat indoors, many health risks are automatically reduced — cars alone are a huge danger for cats — however, accidents can still happen indoors and hereditary conditions will still be present regardless if your cat stays indoors or not. From kittens to seniors, all cats can experience illnesses like urinary tract infections (UTIs) and upper respiratory infections (URIs). Kittens are also known to be highly curious, and tend to eat things they shouldn’t, like safety pins, strings, and rubber bands. As cats get older, those with hereditary or congenital conditions will start to show symptoms and need treatment. An illness or injury can be unexpected, and the vet bills can be very expensive for an animal at any age.

How cat insurance works

With most pet insurance providers, you can visit any licensed veterinarian including veterinary specialists and emergency animal hospitals so there’s no “in-network” like with human health insurance. There will be a waiting period, which depends on the provider chosen. This means immediately after you enroll, a specified period of time must pass before coverage begins. Keep in mind that no pet insurance company covers pre-existing conditions.

When your kitty is hurt or unwell, you simply take him to the vet to have him treated. You pay the bill, then submit a copy of your receipt to the pet insurance provider who will then issue reimbursement based on the coverage plan and deductible you chose when signing up. In certain cases, some pet insurance providers can pay the vet directly to alleviate the financial burden. 

Is pet insurance worth it?

Is your cat part of the family and would you do whatever it takes to get him the care he needed if he were sick or hurt? If the answer is yes, then pet insurance is worth the peace of mind to know that you can say ‘yes’ to the recommended veterinary care because money is no object. 

If you’re ready to explore pet insurance further, check out comparison sites like, Consumers Advocate and Canine Journal.

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