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Do Indoor Cats Need Pet Insurance?

By: Dr. Debra Primovic

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Do indoor only cats need insurance?

Clients often ask whether their cat (who "never goes outside") really needs pet insurance. Today we will address that question.


Outdoor cats are more likely than indoor-only cats to be injured and exposed to a variety of possible toxins, bite wounds and infectious agents. However, indoor cats get sick too and may experience injury if they happen to escape to the unfamiliar outdoors. Even indoor cats can develop a variety of problems including bladder stones, urinary infections, diabetes, and kidney problems. These can all be expensive to treat and get worse if not treated as soon as possible.

All cats can get sick. It's just a fact of life. If you cannot afford an unexpected expense if your pet were to become ill, then it is a very good idea for your indoor cat to have pet insurance.

So do I recommend pet insurance for cats that don't go outside?

If you do not have the savings to cover unexpected vet bills , the answer is yes. Even though their risk of bite wounds and injuries is smaller than that of an outdoor cat, you want to be able to provide the best care possible should the unexpected happen.

I hope this answers your questions about whether indoor-only cats need pet insurance.

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