Indoor vs Outdoor Cat Insurance
Indoor vs Outdoor Cat Insurance
Whether your cat lounges by the window or roams the backyard, they deserve reliable protection. At Potiki, 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
Recommended Plan:
Bronze Plan (Indoor Cat Cover) – Designed specifically for indoor cats, this plan offers up to $20,000 in annual coverage, protection against common illnesses, 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
Recommended Plan:
- Gold Plan – Includes tick paralysis, 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 |
|
Recommended plan |
Bronze |
Gold or Platinum |
|
Dental needs |
Moderate |
High (Platinum ideal) |
All Plans Include Potiki Perks™
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 and affordable.
Not Sure Which Plan to Pick?
If your cat is mostly indoors but occasionally ventures outside, the Gold Plan may offer the perfect balance of protection and value. Our team can help you select the right policy based on your cat’s habits, age, and health.
Start Your Cat’s Cover Today
Ready to protect your feline friend, whether they’re a couch potato or backyard explorer?
- Compare Plans
- Get a Personalised Quote