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An outdoor cat has a different set of risks of illness or injury than an indoor cat — they may catch fleas or ticks, get into fights with other animals, contract various illnesses or diseases, or sustain injuries. However, indoor cats can still be at risk of certain health conditions, parasites, and injuries. Let’s take a look at why getting cat insurance for your indoor feline friend may be worth it.
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Pet insurance can be great to have when it comes to paying for unexpected injuries and illnesses. Indoor cats can be just as prone to some of the same health risks as outdoor cats, making enrolling in a policy worth it. Here are some reasons why having pet insurance for indoor cats can help ensure they get the care they need while helping you save money.
If your cat jumps from the top of the refrigerator to the floor or from the top of a bookcase to your bed, they run the risk of injuries — like broken bones or hurt paws — especially as developing kittens or as senior cats. Treatment for broken or fractured bones could mean a simple cast, or it could require surgery that can cost a few hundred or a few thousand dollars.
Muscle sprains, strains, and other soft tissue injuries can also happen while playing or exploring indoors. Cats can get into other accidents too, such as running into objects, getting their tails shut in doors, or burning themselves from getting too curious around stoves or fireplaces. MetLife Pet Insurance can help cover costs related to injuries and accidents — like we did for Sammy, a cat from Maryland. She needed surgery after she suffered a leg sprain after falling between the stairs' banister, and her parents got reimbursed nearly $3,480 on $3,860 in vet bills.1
Indoor cats are curious, and they may get into something bad while exploring their home. Touching or swallowing substances like toxic household cleaners, antifreeze, toxic foods to cats, and toxic plants can cause serious harm, as can swallowing small objects. They can also get parasitic infections, like fleas, ticks, and worms when insects get indoors and sting or bite them. All of these could mean an emergency trip to the vet along with diagnostics like X-rays and blood work.
This is what happened to Prince, a cat from Massachusetts, who ingested a lily, which is toxic to cats. After blood work to confirm the problem and treatment, including IV fluids and medications, Prince’s owners were charged $3,200. But with their MetLife Pet policy, they got over $2,350 of it reimbursed.1
With MetLife Pet Insurance, you can get your cat the medical care they need if they get sick — just like Prince — without worrying about the cost. Plus, you can help protect your kitty from parasites with cost coverage for routine preventive medication through our Preventive Care add-on.
Whether you have an outdoor or indoor cat, all felines could develop health conditions such as:
Depending on certain factors — like what your indoor cat is suffering from or whether it’s an ongoing health issue — vet costs may escalate quickly. The risk of illnesses, accidents, or developing health conditions can also rise with age. Pet insurance can typically help you cover the costs of treating these kinds of health issues, even those that occur over years.
Take Willow, a young cat from Washington, who was diagnosed with periodontal disease and needed extensive treatment, including a tooth extraction. The total cost of the treatment was around $5,600, but with their MetLife Pet policy, her parents were reimbursed over $5,100.1
You never know when your cat might come down with an expensive illness or injury. This alone can make pet insurance worth it for your indoor cat. MetLife Pet Insurance’s award-winning2 policies can help you ease the financial strain when unexpected problems arise. But it’s important to enroll them before pre-existing condition exclusions might apply. Plus, if you add our Preventive Care add-on to your policy, you can get selected routine wellness vet bills reimbursed — like checkups, dental cleanings, vaccines, or spaying and neutering.3
MetLife Pet’s cat insurance premiums can start as low as $7 per month, and they’re full of customizable options to help you better ensure your indoor cat has strong protection.4 And if you have a few felines in your home, you can put multiple pets on the same policy with a shared deductible when you enroll them in our family plan — the only one on the market.5,6,7
To see what your rates might be, get your free quote today.
