>but they are used to fighting every day, surviving..
This applies to my cat too.
>I would be concerned about my cat's safety.
Car roads concern me more.
>Is your cat some sort of fancy breed or why did you insure him for so much?
He's not castrated, like his siblings who are now dead. One died after a car accident, the other due to vaccine induced cancer, no joke.
My alive kot is five years old and lived wild for the past for two years. I visited him monthly during that time and I'm still refusing to believe it, but he got along very fine. I petted his girlfriend and his offspring.
Then he had a serious car accident and barely survived. It's a wonder that he's still alive according to the veterinarian, and even more so that he regenerated without lasting damage.
He probably lost 5 out of his 7 lives, but the remaining two are insured.