Australia’s most common winter cat health claims, and what they could cost owners

As temperatures drop across Australia, many cat owners assume their feline companions are safely protected indoors from seasonal health concerns. However, winter can bring its own set of health challenges for cats, ranging from arthritis flare-ups and urinary tract infections to eye and ear conditions.

Recent claims data from Petcover Australia, analysing feline claims lodged during the winter months, highlights the conditions most commonly affecting cats and the potential veterinary costs owners may face.

Arthritis remains one of the most common winter conditions

Arthritis and degenerative joint disease accounted for approximately 10% of winter cat claims, making it one of the most frequently recorded health issues during the colder months.

Average paid claims ranged from approximately AUD $160 to AUD $450, with some claims reaching around AUD $640.

Many cat owners are surprised to learn that arthritis is extremely common, particularly in older cats. Colder weather can exacerbate joint stiffness and discomfort, often leading to reduced mobility, reluctance to jump, changes in grooming habits and decreased activity levels.

Because cats are naturally adept at hiding pain, early signs of arthritis can easily go unnoticed until the condition has progressed significantly.

Eye infections can require ongoing treatment

Eye infections, including conjunctivitis, represented around 10% of winter feline claims.

Average paid claims ranged from approximately AUD $300 to AUD $3,200, with the highest claims reaching around AUD $3,200.

Conjunctivitis and other eye conditions can be caused by viral infections, bacteria, environmental irritants or underlying health conditions. Symptoms often include redness, discharge, squinting and excessive tearing.

While many cases can be resolved with prompt treatment, more severe or recurring infections may require multiple veterinary visits, diagnostic testing and ongoing medication, increasing treatment costs considerably.

Urinary tract infections remain a common concern

Urinary tract infections (UTIs) accounted for approximately 8% of winter cat claims.

Average paid claims ranged between AUD $250 and AUD $380, while maximum claims reached around AUD $650.

Urinary issues are particularly important for cat owners to monitor as they can escalate quickly if left untreated. Reduced water intake during cooler weather may increase the risk of urinary problems, especially in cats that already have underlying urinary tract sensitivities.

Veterinarians recommend seeking immediate attention if a cat shows signs such as frequent urination, straining, blood in the urine or changes in litter box behaviour.

Ear infections can become painful and costly

Ear infections represented around 8% of winter feline claims.

Average paid claims ranged from approximately AUD $650 to AUD $1,700.

Ear infections can develop due to bacteria, yeast, parasites, allergies or underlying skin conditions. Cats suffering from ear problems may display symptoms such as head shaking, scratching, inflammation, odour or discharge from the ear canal.

Without prompt treatment, infections can worsen and potentially lead to chronic discomfort or complications affecting hearing and balance.

Gastrointestinal illnesses continue throughout winter

Vomiting and gastroenteritis accounted for approximately 6% of winter cat claims.

Average paid claims ranged from around AUD $160 to AUD $510.

Digestive issues can occur for a variety of reasons, including dietary indiscretion, food intolerances, infections, parasites or underlying medical conditions.

While some episodes may be relatively mild, persistent vomiting or gastrointestinal symptoms often require veterinary assessment, diagnostic testing and treatment to prevent dehydration and further complications.

Helping cats stay healthy during winter

While not every illness can be prevented, veterinarians recommend several steps to help support feline health during colder months:

• Ensure cats have access to warm, comfortable resting areas
• Encourage regular water intake to support urinary health
• Monitor mobility changes, particularly in senior cats
• Maintain routine veterinary health checks
• Watch for changes in appetite, grooming habits or litter box behaviour
• Seek veterinary advice promptly if symptoms develop

Cats are often masters at hiding discomfort, making regular observation particularly important during winter. Understanding the conditions most commonly affecting cats during the colder months may help owners identify potential health concerns earlier and seek treatment before problems become more serious.

As veterinary costs continue to rise across Australia, many cat owners are reviewing how they would manage unexpected illness or injury. Specialist pet insurance can help provide peace of mind by assisting with eligible veterinary expenses when the unexpected happens. With Petcover’s flexible plans starting from just AUD $29 per month for eligible cats, owners can choose a level of cover that suits both their cat’s needs and their budget.

Disclaimer: Claims figures are based on Petcover’s internal feline claims data and may vary depending on condition severity, treatment required, policy terms and individual circumstances. Premiums vary depending on factors including your cat’s age, breed, location and level of cover selected. Terms, conditions, limits and exclusions apply.