Is Pet Insurance Worth It for an Indoor Cat?

Cat Pet Insurance >
Is Pet Insurance Worth it For an Indoor Cat

There are many different species of cats, all ranging in size, color, and markings. Just as there are different species of cats, there are different kinds of cats. These can be classified in the following three categories: indoor cats, indoor-outdoor cats, and outdoor cats.

Indoor cats live in homes and spend all of their time inside the house. Indoor-outdoor cats live in the house but can roam the streets as well. Finally, there are outdoor cats, who live in nature and don’t have much interaction — if any at all — with humans. If you have an indoor cat, you undoubtedly love your little feline friend and have concern for their safety, so you might come to ask yourself, is pet insurance worth it for an indoor cat? Have you looked into it?

Health Risks for Indoor Cats

Every pet has health risks that you as a pet owner have to try and avoid if you want your pet to live a long, happy, and healthy life. This is one of the challenges of being a pet owner. To start, lack of exercise and boredom can lead to physical and emotional stress for your cat. A stressed cat is an unhealthy cat, and cats typically are subject to stress more easily than other animals. Cats will usually show signs of illness when they’re stressed. Stress in a cat is a matter that shouldn’t be taken lightly. Even when it comes to something simple like a common inflammatory disease, they will usually become healthier once their stress levels are reduced. It’s important to recreate a similar environment within your home that a cat would typically encounter when in the wild. This will allow them to feel at home, stress-free, and happy.

Obesity and diabetes are also common reasons that indoor cats begin to see a decline in their health. Lack of exercise in a cat’s life can allow it to gain weight very easily, and if they do so, it becomes very hard for them to lose weight, especially the older they get. Making sure that your cat stays active and has plenty of toys to run around and play with is important. Limiting the amount of time that they’re inactive is crucial to their health. Unlike outdoor cats, indoor cats have much less room to run around and play and hunt, thus expending less energy.

Another big health risk in indoor cats is Feline Lower Urinary Tract Disease (FLUTD). Feline lower urinary tract disease is the result of a variety of conditions that affects both the bladder and urethra in cats. Cats with this disease usually show signs of difficulty and pain when urinating, an increase in the number of times they urinate, as well as a presence of blood in their urine. They also tend to excessively lick themselves and can be found urinating outside their litter box on cooler, smoother surfaces. While the disease can occur at any age, it mostly occurs in middle-aged, overweight cats that get limited exercise, have zero to little outdoor access, and eat a dry diet. Cats with urethral obstruction must receive immediate veterinary care.

Separation anxiety can affect indoor cats as well. As we all know, cats are usually the pet of choice when it comes to busy people, but cats can become very attached to their owners and will suffer separation anxiety when they’re left alone. These cats are typically described as being needy when you are around, and then when you’re not, they cause complete chaos around the house until you return.

Along with the health risks stated above, cats are also subject to indoor hazards. Always make sure to keep your home clear of potential hazards if you have a cat that spends a lot of time at home without you being there. House plants such as lilies are toxic to cats, so it’s important to be aware of what you can and cannot have around the house if you plan to leave your furry friend alone for much of the time. A good common practice is also to avoid using dangerous products or pesticides in areas that your cat has access to. Doing some research on hazardous products can go a long way.

What Does Pet Insurance Cover?

So you just got a cat and you’re intrigued by the concept of pet insurance, but you’re not really sure what costs would be covered if your cat were to get sick or hurt. So, you’re stuck wondering if pet insurance is worth it for an indoor cat. It really depends on a few different factors.


Pg 1 of 2