There’s a perception that cats are invincible. Cats certainly believe it, and many new cat owners are perhaps not entirely aware of the health risks cats face. From mischievous kittens to wise old cats, every life stage brings its own challenges.

And those nine lives? Just a myth, which is why thousands of Australians have opted for pet insurance to protect their cats against unexpected healthcare crises.

According to PetSure’s FY25 claims data*, Australia’s most popular pussycats – from Domestic Short Hairs to Ragdolls – are all susceptible to common health conditions. Urinary tract infections, skin allergies, osteoarthritis and heart murmurs don’t discriminate, no matter how much cattitude your pet might have.

And depending on their breed and age, the risk may be higher than average. But with greater awareness and preventative care, cat owners can recognise the signs, seek early treatment, manage costs and keep their furry friends healthier for longer.

Year one

We’ve been there: you bring home a fuzzy bundle of joy and watch captivated as your kitten explores their new home. While this is one of cat ownership’s great pleasures, don’t drop your guard in the face of all that cuteness.

This is a time of learning for kitten and owner alike. As your new pet’s personality evolves, you’ll quickly discover their quirks. Their risk assessment abilities are still developing, so you need to stay on top of the situation.

The first few weeks and months of your kitten’s life are when they’re at their most vulnerable. Curiosity may not kill the cat, but it can expose them to opportunistic parasites, delicious-looking but dangerous foreign objects and environmental irritants.

PetSure FY25 claims data shows that among kittens, the most common claims revolve around gastrointestinal issues, often caused by eating things they shouldn’t. Lilies are a particularly nasty presence; even the pollen is toxic to cats.

And as your kitten’s immune system develops over the first year, it’s not yet equipped to fight off bugs. Eye and ear infections round out the top three conditions that affect cats under one year old. Watch for early symptoms and be prepared to act quickly to make these early years as smooth as possible.

This is also a great time to build a relationship with your local vet. It’s a partnership that can last a lifetime, and will be a critical element of maintaining your cat’s wellbeing.

Adulthood

In their prime (age 1-8), cats are intrepid, amusing and mildly cantankerous. But with age doesn’t always come wisdom: there are no qualms about running across a busy road, challenging other cats in street fights or prowling through nature, despite the obvious risks.

As a result, cats in this phase of life are prone to snake bites, battle damage and road injuries. Urinary problems also become a problem throughout these years, particularly in male cats, who aren’t great at keeping hydrated.

In fact, PetSure FY25 claims data shows urinary issues are the second-most claimed conditions for cats of this age, between gastrointestinal issues and eye conditions.

You can’t always stop your cat from stepping out (just try it), but you can provide them with a safe home, a warm bed and a constant supply of fresh water to make sure they come home again. A stimulating environment that holds their attention will distract them from the temptations of the world outside. Also, do what you can to deter other cats from encroaching upon your cat’s territory. No threats, no fights.

During these prime years, something else blossoms too – the bond between cat and human.

Over time, a quiet understanding forms. A meow can mean ‘feed me’, ‘play with me’ or ‘bugger off’, and somehow, we just know which. In turn, they sit with us when we need emotional support, blink slowly when we’re stressed or shoot us a withering glare when we deserve it most.

It’s a relationship built on mutual observation, silent conversations and a whole lot of personality.

Twilight

By the time our cats reach their twilight years and begin to settle down, the toils of adventure are replaced by the aches and pains of old age. Osteoarthritis is a common ailment for vintage cats; signs can start to show in kittenhood, so this is one to keep an eye on as your cat grows.

Gastrointestinal and urinary tract disorders also persist into this stage of life, made worse by age and the effects of chronic disease. For cats eight years and older, these remain the two most-claimed conditions.

On the other hand, your cat has come to know where home is, and you’ve gotten to know their ways well. You’ll know what to feed them, how to play and how to make them comfortable the way they like it – usually involving your lap.

By now, the connection between cat and human has deepened. Once-playful pounces have given way to gentle head nudges and long, contented naps. Words are rarely needed; a glance, a soft paw on your arm and even the way they settle beside you speak volumes.

At this point, your vet will also know your cat’s health roadmap, and can advise you on the best way to cater to age-related wear and reduced functions.

The price of health

Your cat’s discomfort is only part of the story. Treatment for these conditions can be an expensive undertaking no matter your pet’s age.

PetSure FY25 claims data* shows the average cost for treatment of gastrointestinal conditions comes in at around $900, with the highest cost totaling almost $27,000.

Further down the list of common conditions, the prices remain eye-opening: the highest cost to treat a urinary tract disorder – the second most claimed condition – was over $38,000, while the average cost of skin condition treatment was $470.

For mass lesions, a condition that typically affects only older cats, the highest cost of treatment was nearly $35,000.

It’s impossible to predict which health conditions will affect our pets, but we can do our research and learn which breeds are prone to certain afflictions. By being aware of the risks, you can look for the signs of any potential issues and move quickly to nip them in the bud.

And just as we prepare for the arrival of a furry new member of the family in terms of our lifestyle, it is possible to prepare for these or other unexpected healthcare costs. By taking out an insurance policy for your cat early on, you can ensure you’re covered should the unexpected happen.

A lifetime of care

They think they’re untouchable, but we know better. From playful kittens to grumpy old moggies, cats of all ages are susceptible to healthcare concerns. These can be unpredictable, life-threatening and extremely costly, so it’s crucial to be prepared before you add a feline friend to your world.

Whatever your cat’s age, the best gift you can give is awareness and proactive care. Do your research and stay in touch with your vet. A few smart steps today could give your cat many more happy tomorrows.

To discover more about coverage options, the quirks of your cat’s breed and preventative care resources, visit XXXX.

*Based on PetSure claims data 2024 as at Feb 2025. Amount claimed per policy over a 12-month period. Reimbursement for these claims under a pet insurance policy would be subject to limits, such as annual benefit limits or sub-limits, benefit percentage, applicable waiting periods and any applicable excess. Cover is subject to the policy terms and conditions. You should consider the relevant Product Disclosure Statement or policy wording available from the relevant provider. Please note that values calculated are based on all claims for that condition and medically related conditions in each calendar year.

^ Pet insurance policies can have an annual limit between $5,000 – $30,000 to assist with eligible treatment costs.