Potiki Pet Insurance

Chatbot

  • usericon

    Hi there 👋
    How can I help you today?

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 find the best coverage for 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:

  • Urinary tract infections (UTIs)
  • Dental disease
  • Diabetes or thyroid conditions
  • Accidental falls or injuries
  • Ingestion of household plants or toxic foods

Most Popular Plan:

Bronze Plan (Indoor Cat Cover) – Designed specifically for indoor cats, this plan offers up to $20,000 in annual coverage, protection against specified conditions 8 , and optional dental cover. Available for cats up to 15 years old.

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

Start Your Cat’s Cover Today

Ready to help protect your feline friend, whether they’re a couch potato or backyard explorer?