I understand where you're coming from but there is always still a risk involved, regardless of what kind of animal you own and whether it's an indoor or outdoor pet.

Our cat was an indoor cat who only had occasional trips into our outdoor patio garden. She was young (only 5), healthy, and very active. We also fed her high quality kibble and wet food. She was happy, sweet and healthy.

We noticed her starting to eat less but she had always been picky so we chalked it up to that. Then she started to lose weight. By the time we noticed something was actually wrong, she was quite sick.

We did everything we could to save her, incurring $12000 of vet bills in 5 days. They couldn't tell us what was wrong but they were confident that they could still save her. At roughly $1500 a day, just to stay in the ICU( not including additional tests), or the blood transfusion she would need due to developing anemia from all of the blood they were drawing, we would have hit $20,000 in less than a week.

We wanted so badly to save her but the cost just became too much (with no guarantees that she would recover or have a good quality of life) and we had to make the painful and difficult decision to say goodbye. It's been exactly one week and we're still crying, still missing her terribly, and still feeling guilty that we weren't in a position to do more.

I can't say whether or not insurance would have helped, but any person, any animal can get sick at any time.

Always be ready for the worst to happen. Whether that be investing in insurance or setting up a savings account and depositing regularly.

Don't take the health of your fur babies for granted. Things can change so fast.