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Purrfect Perks of Indoor Cat Insurance



Cover Designed Just for Indoor Cats
Indoor cats don’t require the same cover as free-roaming kitties, which is why we’ve tailored our indoor cat policies to match their needs.

Flexible Policies, Without the Jargon
We’ve made it quick and simple for you to cancel, upgrade, and downgrade any time without notice — there’s no sneaky lock-in fees to catch you out!

We Take Care of Up to 80% of Vet Bills
You can get reimbursed up to 80% for eligible indoor cat insurance claims.

Complete Peace of Mind
Rest easy knowing your indoor feline friend is covered whenever health trouble strikes.

How Does Cat Insurance Work?

Protect your cat during and after injuries, accidents, and illnesses

Choose to pay by the month, with no lock-ins

Get up to 80% cover of an eligible claim less your chosen excess up to the annual limit

Choose any licensed and registered veterinarian

Make quick and easy claims via our pet portal

Tailored Insurance Just for Indoor Cats

If you thought keeping your feline friend indoors would stop health trouble, think again!

Yes, indoor cats are less likely to get sick or injured, but that doesn’t mean it’s impossible — that’s why cat insurance is still a must-have.

Unlike your average cat insurance policy, indoor cat insurance covers a bunch of specific health conditions that homebody kitties are exposed to, such as:

  • Accidental injury
  • Developing allergies from indoor irritants (such as dust)
  • Ingesting or choking on foreign objects (including toys and household items)
  • Urinary tract infections (UTI)
  • Diabetes
  • Poisoning (especially from household cleaning supplies)
  • Eye or respiratory issues
  • Hereditary conditions


    • PetsOnMe’s custom indoor cat policies cater to the special needs of stay-at-home kitties. We cover the most common accidental injury and illness treatments that indoor cats typically run into, as well as essential cover that all cats need, like hereditary conditions. Check out our policies and register today!

    Frequently Asked Questions
    What Level of Cover Shall I Choose for My Indoor Cat?

    That's all down to your home dwelling kitty's health needs. We've got three options up for grabs here at PetsOnMe, each of which is completely tailored to meet the unique needs of indoor cats.

    Our most basic Accidental Plan is a super popular option – especially for healthy felines. It covers accidental injuries, prescribed meds, hospitalisation, and operating theatre costs. Our balanced Classic Plan covers both accidental injury and illness. It's an essential if you want to play it safe with dual protection.

    If it's comprehensive insurance you're in search of, our Deluxe Plan is just the thing. This level of cover offers the highest annual benefit percentage and lets you make the most claims for a bunch of vet bills, including select dental illness.

    When picking a policy for your feline baby, don't just think about their needs – consider your individual objectives, financial situation, and overall preferences, too.

    What Can I Claim With Indoor Cat Insurance?

    Eligible claims all depend on the level of coverage you've got.

    Our Accidental Plan lets you claim treatment, surgery costs, hospitalisation, and prescribed medication related to accidental injuries. Our Deluxe Policy goes above and beyond, offering the most amount of eligible claims, including accidental injury, illness, hereditary conditions, and even select dental illness.

    Not sure what you can claim? All the information you need will be in your product disclosure statement (PDS). If you've got any other questions or uncertainties, feel free to contact our friendly team and we'll get back to you pronto.

    Is Cat Insurance for Indoor Cats Worth It?

    It absolutely is. Your kitty might not be roaming the streets, but they can still get hurt or become poorly, so getting them pet insurance is a wise choice. Ingestion of toys or household objects, allergies triggered by dust or cleaning supplies, UTIs, and diabetes are amongst the most common illnesses and accidental injuries that indoor cats face.

    When trouble strikes, the last thing you want to worry about is affording the bill. With indoor cat insurance, you can get your kitty the care they need without panicking about affording it.

    How Much is Insurance for Indoor Cats?

    The cost of insurance premiums depends on the level of coverage you pick and your cat's age, breed, and overall health. Once you've picked a policy at PetsOnMe, you can request a quote to find out how much your premiums will be.

    How Soon Can My Indoor Cat Get Covered?

    Your kitten can get covered as soon as they hit 6 weeks. If you choose our Accidental Plan, you get covered instantly. Our Classic and Deluxe Plans have waiting periods ranging from 21-180 days, but we'll ditch them if you show us you've held an uninterrupted policy for a year or more with another insurer.