Indoor vs Outdoor Cat Insurance
Indoor vs Outdoor Cat Insurance
Whether your cat lounges by the window or roams the backyard, they deserve the right protection. At Potiki, together with petinsurance.com.au, we understand that indoor and outdoor cats face different risks — and that’s why we offer flexible insurance options tailored to both lifestyles.
Explore the differences below and find the best way to protect your feline friend.
Indoor Cats: Low Risk, But Not Risk-Free
Indoor cats may live a safer, more controlled lifestyle, but they’re not immune to health concerns. Common issues include ^:
- Ingestion of a foreign object
- Poisoning
- Feline lower urinary tract disease
- Gastrointestinal problems
- Outer and inner ear infections
- Diabetes
- Hyperthyroidism
- Heart disease
- Renal disease
- Cancer
- Arthritis
Outdoor Cats: Higher Exposure, Higher Risk
Outdoor cats are more adventurous—but that comes with increased risk of injury and illness ^ such as:
- Road accidents or car strikes
- Fights with other animals
- Tick paralysis
- Parasite exposure (fleas, worms)
- Snake bites and other trauma
Key Differences at a Glance
| FEATURE | INDOOR CATS | OUTDOOR CATS |
|---|---|---|
|
Risk of accidents |
Low |
High |
|
Illness exposure |
Moderate |
High |
|
Tick paralysis |
Rare |
Common |
|
Dental needs |
Moderate |
High |
Data sourced from cat-world.com, petguide.com. nexgard, rspca
Included with myPetPass®**
No matter where your cat prefers to spend their time, you’ll get access to:
LiveVet ~ 24/7 access to online vet consultations
30% off pet medications
Discounts on flea, tick, and worming treatments
Savings on food, grooming & lifestyle services
These perks are built into every policy—because proactive pet care should be easy
Go to the compare cat insurance page to find out more information about each policy