Should My Indoor Cat Have Pet Insurance?

3 min read
Feb 07, 2022

Outdoor cats can have a higher potential for illness or injury. If your cat is often out exploring, and only comes home for meals, he may be exposed to fleas or ticks, could get into scrapes fights other animals, or could be otherwise injured. An outdoor cat has a different set of risks of illness or injury than an indoor cat, but there are still many reasons you may want to consider cat insurance for your indoor cat.

Indoor cats may be as prone to health issues as outdoor cats, but in varying degrees and from different ailments.

  • Cats are masters of disguise. It’s instinctual behavior for a cat – or any animal – to mask injury or illness; it harkens back to survival of the fittest. Your indoor cat may love and trust you, but he may still hide his pain from you. You may notice he’s acting differently, or that he’s not eating as much as he used to, or that he’s not drinking as much. If your cat is exhibiting litter box avoidance issues this, too, could be a sign of an illness your cat is attempting to hide.
  • Even indoor cats get injured. If your cat is jumping from the top of the refrigerator to the floor or from the top of the bookcase to your bed, he runs the risk of injury – especially as he ages.
  • Indoor cats can suffer common health ailments including: diabetes, thyroid disease, kidney failure, heart disease and ongoing stomach upsets.

Cats are smaller than dogs but that doesn’t mean the cost of their healthcare is less expensive. Depending on what your indoor cat is suffering from, and whether it’s going to be an ongoing health issue, the costs can escalate quickly.

Consider Investing in Cat Insurance  

Looking for more ways to protect your kitty?  Consider investing in a cat insurance policy with MetLife Pet Insurance.1  Get your free quote today. 


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Nothing in this article should be construed as financial, legal or veterinary advice. Please consult your own advisors for questions relating to your and your pet’s specific circumstances.

1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.