Get rates for your pet:

See My Rates »
Retrieve a Saved Quote

Is Pet Insurance Worth It for Indoor Cats?

By Colleen Williams
December 7, 2017 • 2 min. read
healthy paws indoor cat
healthy paws indoor cat

You cat will be safer by keeping them indoors – it’s a great way to avoid a ton of accidents, including those with cars, dogs, or eating something toxic. Did you know that keeping your cat inside also protects her from contracting or spreading diseases like FeLV (Feline Leukemia) and FIV (Feline Immunodeficiency Virus)? Your cat also avoids the likelihood of skin cancer: kitties who sleep outside in the sun are more likely to develop squamous cell carcinoma.

But that doesn’t mean they’re immune from everything. Indoor cats can suffer from common ailments like cardiac issues, diabetes and kidney disease. By enrolling cats in pet insurance as kittens, these issues – frequently seen as cats age – will be covered by your Healthy Paws policy. So just because your cat may live indoors, doesn’t mean they won’t need to see a vet or run into any calamities during their curiosity streaks.

From Kittens to Seniors

Healthy Paws regularly sees claims that seem specifically related to an indoor lifestyle: a new kitten who has fallen from the fridge and hurt their leg, or an older cat who has urinary crystals and needs special treatment. By keeping your cat inside, many health risks are reduced – cars alone are a huge hazard for cats – however, accidents can still happen indoors, and hereditary conditions will still be present.

When Bella, a pretty, gray kitty, was diagnosed with cancer last year, her family were beside themselves. They ended up saving $5,600+ on vet bills thanks to having pet health insurance. Pet parent Matthew says, “When my 3-year-old cat Bella was diagnosed with a malignant mammary gland tumor, she had to undergo surgery and chemotherapy, which was so stressful and expensive. The vet bills for the treatment totaled $4,591 and we were reimbursed $4,132.”

Kittens and younger cats can get sick just as easily as older cats, experiencing illnesses like urinary tract infections (UTIs) and upper respiratory infections (URIs). Kittens are also incredibly curious and tend to eat things they shouldn’t, like safety pins and rubber bands. As your cats gets older, those who have hereditary or congenital conditions will start to show symptoms and need treatments that can be very expensive.

How Cat Insurance Works

With Healthy Paws, you can visit any licensed veterinarian including the specialists and emergency animal hospitals that can truly make a difference in your pet’s care, even alternative veterinary care providers. After enrolling your cat, you will have a short 15-day waiting period for accidents and illnesses and a 12-month waiting period for hip dysplasia, a condition that can affect Maine Coon, Persian, and Himalayan breeds.

Healthy Paws cat insurance plan pays up to 90% on your veterinary bill and covers injuries, illnesses, emergencies, genetic conditions and much more. If your cat or kitten needs treatment for any accident or illness (except pre-existing conditions and a few other exclusions), you’re covered. We use an easy mobile app for both Android and iPhone where you can simply upload a photo of your vet bill (no claim forms needed!) and manage your pet’s info. Then, claims are processed quickly and reimbursements are directly deposited in your bank account, or a check is mailed.  That’s it.

So, keeping your pet inside is a great idea, and enrolling in cat insurance is even better. If you love your cat like family but wouldn’t be prepared to pay thousands of dollars for an unexpected accident or illness, then you should consider pet insurance. You can cover your furry family member and protect your wallet at the same time. Start by getting a free quote.

colleen williams
By Colleen Williams

Over the past decade, Colleen has written about health, wellness, beauty, and even pets for The New York Times, The Cut, Refinery29, xoVain, Healthy Paws Pet Insurance, and Seattle Met Magazine, as well as many beauty brands. She has a BFA in Art History from the University of New Mexico and an AAS in Fashion Design from Parsons School of Design in New York.

Show more