Indoor vs Outdoor Cat Insurance
Indoor vs Outdoor Cat Insurance
Whether your cat lounges by the window or roams the backyard, they deserve. 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 to suit both lifestyles.
Explore the differences below and help 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
Most Popular Plan:
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
Most Popular Plan:
- Gold Plan – Includes tick paralysis sub-limit ($3,000), cruciate ligament cover ($4,000 per leg), and optional dental.
- Platinum Plan – Our most comprehensive plan with full dental cover, higher limits, and broad illness/injury protection.
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 |
All Plans Include Potiki Perk#
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