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How much does pet insurance cost for cats?

Compare the insurance costs for 40 different cat breeds

Updated

Fact checked

Your furry feline might fall in the lazy cat cliché or they might romp around the house seemingly destined for trouble, while others simply have a background of health problems. To help you compare rates and get the best deal, we crunched numbers for 40 different cat breeds at a young, healthy age with accident and illness insurance.

Compare pet insurance costs by cat breed

The average cost of cat insurance is close to $30, but your kitty’s actual rate will depend on factors like age, breed and health. The most common cat breed, Domestic Shorthair, costs around $20 a month to insure.

Breed Recommended coverage Monthly pet insurance cost Lifespan Coat Character Health risks Common health problems
Abyssinian Accident Illness $22 14 - 15 Ticked Active Medium
  • Pyruvate kinase deficiency
  • Progressive retinal atrophy
  • Patellar luxation
  • Amyloidosis
American Bob Tail Wellness $20 13 - 15 Short and long hair Active and friendly Low
  • Manx syndrome
  • Severe spinal and/or neurological problems
  • Hip dysplasia
American Maine Coon Illness Wellness $22 12 - 17 Undercoat covered by a substantial glossy, long waterproof top coat Calm and gentle Medium
  • Hypertrophic cardiomyopathy
  • Hip dysplasia
  • Patellar luxation
  • Pyruvate kinase (PK) deficiency
  • Spinal muscular atrophy
Angora Illness Wellness $20 12 - 18 Medium-long length Active and playful Low
  • Deafness
  • Hypertrophic cardiomyopathy
Balinese Accident Illness Wellness $20 18 - 22 Long hair Active High
  • Mediastinal lymphoma
  • Asthma
  • Pica
  • Hip dysplasia
  • Niemann-Pick disease
  • Mucopolysaccharidosis
  • Gangliosidosis (GM1)
  • Progressive retinal atrophy (PRA)
Bengal Illness Wellness $20 14 - 16 Short Active, playful and affectionate High
  • Pyruvate kinase deficiency
  • Progressive retinal atrophy (PRA)
  • Flat chested kitten syndrome
  • Hip dysplasia
  • Hypertrophic cardiomyopathy
Birman Illness Wellness $20 12 - 16 longish Calm, friendly and social Low
  • Kidney disease
  • Polycystic kidney disease (PKD)
Bombay Illness Wellness $21 15 - 20 Short Very active Low
  • Polycystic kidney disease (PKD)
British Short Hair Illness Wellness $20 14 - 20 Short Calm and social Low
  • Polycystic kidney disease
  • Hypertrophic cardiomyopathy (HCM)
Burmese Illness $21 18 - 25 Short dense Very active and friendly High
  • Diabetes mellitus
  • Hypokalaemic polymyopathy
  • Head and brain deformity
  • Pica
  • Gangliosidosis
  • Flat chested kittens
Burmilla Illness $20 13 - 16 Short Sociable, playful and affectionate Medium
  • Polycystic kidney disease (PKD)
  • Burmese
Chinchilla Illness Wellness $21 12 - 15 Long Calm and affectionate Low
  • Polycystic kidney disease
Cornish Rex Accident Illness Wellness $21 10 - 15 Wavy sparse Active Low
  • Polycystic kidney disease (PKD)
  • Progressive retinal atrophy (PRA)
Devon Rex Accident Illness Wellness $21 10 - 15 Sparse Active Medium
  • Devon Rex myopathy or spasticity
  • Polycystic kidney disease (PKD)
  • Patellar luxation
  • Hip dysplasia
Domestic Long Hair Wellness $20 18-20 Short Active and affectionate Low
  • No problems have been reported
Domestic Short Hair Wellness $20 18-20 Long Active and affectionate Low
  • No problems have been reported
Egyptian Mau Wellness $20 13 - 15 Short Very active Low
  • Pyruvate kinase (PK) deficiency
Exotic Short Hair Illness $20 12 - 15 Short Calm, gentle and very social Medium
  • Polycystic kidney disease
Havana Wellness $20 8 - 13 Short Affectionate and mischievious Low
  • No problems have been reported
Himalayan Illness Wellness $20 9 - 15 Long Active and affectionate Medium
  • Hip dysplasia
Japanese Bobtail Illness Wellness $20 9 - 13 Short and long Active and affectionate High
  • Mediastinal lymphoma
  • Asthma
  • Hip dysplasia
  • Niemann-Pick disease
  • Mucopolysaccharidosis
  • Gangliosidosis (GM1)
  • Progressive retinal atrophy (PRA)
Javanese Illness Wellness $19 15 Short Active and affectionate High
  • Hypertrophic cardiomyopathy
  • Hip dysplasia
  • Patellar luxation
  • Pyruvate kinase (PK) deficiency
  • Spinal muscular atrophy
Korat Wellness $20 15+ Short Quiet and playful Low
  • Gangliosidosis
La Perm Wellness $20 10 - 15 Short/Long and wavy Affectionate, quiet and social Low
  • Pyruvate kinase (PK) deficiency
Maine Coon Illness Wellness $21 12 - 15 Long Calm High
  • Hypertrophic cardiomyopathy
  • Hip dysplasia
  • Patellar luxation
  • Pyruvate kinase (PK) deficiency
  • Spinal muscular atrophy
Manx Illness Wellness $20 8 - 14 Short Calm, affectionate nad not very social Medium
  • Mediastinal lymphoma
  • Hip dysplasia
  • Niemann-Pick disease
  • Mucopolysaccharidosis
  • Gangliosidosis (GM1)
  • Progressive retinal atrophy (PRA)
Munchkin Illness Wellness $20 12 - 14 Short and long Active and playful Low
  • Progressive retinal atrophy (PRA)
Norwegian Forest Cat Illness $19 14 - 16 Long Very active Medium
  • Hypertrophic cardiomyopathy (HCM)
  • Pyruvate kinase (PK) deficiency
  • Glycogen storage disease type IV
Ocicat Illness Wellness $21 10 - 15 Short Active, playful and social Low
  • Progressive retinal atrophy (PRA)
Oriental Accident Illness Wellness $20 10 - 15 Short and long Active High
  • Mediastinal lymphoma
  • Asthma
  • Pica
  • Hip dysplasia
  • Niemann-Pick disease
  • Mucopolysaccharidosis
  • Gangliosidosis (GM1)
  • Progressive retinal atrophy (PRA)
Persian Illness Wellness $20 15+ Long Calm and quiet High
  • Mediastinal lymphoma
  • Asthma
  • Pica
  • Hip dysplasia
  • Niemann-Pick disease
  • Mucopolysaccharidosis
  • Gangliosidosis (GM1)
  • Progressive retinal atrophy (PRA)
Ragdoll Illness $20 12 - 17 Long Calm and sociable Medium
  • Hypertrophic cardiomyopathy
  • Polycystic kidney disease (PKD)
Russian Blue Wellness $19 15 - 20 Short Calm and sociable Low
  • No problems have been reported
Scottish Fold Wellness $20 13 - 15 Short affectionate and gentle Low
  • Osteochondrodysplasia
Siamese Illness Wellness $19 15 - 20 Short Talkative and social High
  • Mediastinal lymphoma
  • Asthma
  • Pica
  • Hip dysplasia
  • Niemann-Pick disease
  • Mucopolysaccharidosis
  • Gangliosidosis (GM1)
  • Progressive retinal atrophy (PRA)
Siberian Illness Wellness $19 11 - 15 Long and dense Friendly and sociable Low
  • Hypertrophic cardiomyopathy
  • Pyruvate kinase (PK) deficiency
Somali Illness $20 10 - 12 Long Playful and not very sociable Medium
  • Pyruvate kinase deficiency
  • Anaemia
  • Progressive retinal atrophy
Sphynx Illness $21 13 - 15 None Talkative and social Medium
  • Devon Rex Myopathy
  • Hypertrophic Cardiomyopathy (HCM)
Tonkinese Wellness $21 10 - 16 Long Very active Low
  • No problems have been reported
Turkish Van Wellness $22 12 - 17 Long Very active and playful Low
  • Turkish Van

What are the most expensive cat breeds to insure?

Cat insurance sticks to a similar price of $20 per month for most breeds, according to our analysis of young, healthy cats. Yet a few cat breeds topped the list at $22 per month for coverage:

  • Abyssinian. This domestic short-haired cat sports active energy levels that could lead to mischief and accidents. The breed is also known for a few common health issues like trick knee or diminishing eyesight.
  • American Maine Coon. Despite this kitty’s gentle cuddles and cute fluff, the Maine Coone’s most common medical problems, like hip dysplasia, could lead owners to pay a lot in vet bills. Your insurance might make up for that risk by raising premiums higher than other cat breeds.
  • Turkish Van. If you steady yourself for this pretty kitty’s playfulness, you won’t be surprised to find yours splashing in the water bowl or getting stuck in tight spaces. This cat’s high energy levels mean there’s a higher chance that you’ll need a vet trip for a few mishaps.

What factors affect my cat insurance premiums?

The insurance costs may stay similar for most young and healthy cats, but your specific cat’s characteristics and health history can influence how much you pay. Factors that might lead to higher or lower premiums:

  • A breed with many health problems could lead to higher insurance payouts for claims
  • An older cat means you’re more likely to use insurance for costly vet bills
  • Spayed or neutered cats don’t have the same health risks and may be less aggressive than other cats
  • Your address can affect the vet costs since these can vary for different areas

How do I know if I’m paying a fair rate?

If your cat insurance rate looks similar to the cats in our analysis, you’re paying a fair amount for cat insurance. But consider benefits or free coverage that some pet insurance companies offer like unlimited annual benefits, which increase the value for the policy you’re getting.

For high-risk kitties, factor in extra risk factors your cat poses and weigh several policies side by side to find the best deal. If several companies offer similar rates, chances are that the rate is fair for your cat’s risk level.

Why should I consider cat insurance?

Let’s face it: vet treatments aren’t cheap. Whether your cat is accident-prone, likes to eat things they shouldn’t or has a pedigree with expensive medical problems, pet insurance can help you shoulder the vet bills.

For about $20 dollars a month, you’ll know that you won’t foot the entire vet bill if your kitty needs emergency medical care. With this knowledge in mind, you can decide whether that amount is worth it for you, based on your cat’s risk and healthcare needs.

Compare pet insurance for any cat

Name Product Pets covered Seniors accepted Hereditary conditions Chronic illness
Wagmo
Wagmo
Dogs, Cats
Get 100% of your vet bill reimbursed on covered accidents, injuries and illnesses for as little as $13/month.
Pawp
Dogs, Cats
For $19/month, access 24/7 vet support and $3,000 for one pet emergency a year.
Petplan
Dogs, Cats
Cover unexpected vet bills from emergency exams, injuries, surgery and more.
Embrace
Dogs, Cats
Enjoy extra benefits with coverage for exam fees, curable conditions and wellness visit reimbursement.
Pet Assure
Dogs, Cats, Horses
Save up to 25% on all vet bills including wellness and dental visits for as little as $10/month.
Pets Best
Dogs, Cats
Get up to 90% of your vet bills reimbursed directly into your bank account. Plus, access coverage options with no annual limit.
PetFirst
Dogs, Cats
Get coverage starting at $9 per month for cats and $15 for dogs. Talk to an agent at 888-738-0683.
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Compare up to 4 providers

Bottom line

Different cats have different healthcare needs and potential health problems, based on their breed. However, you can expect your cost to hover about the same across most breeds. Discover the best deal by comparing cat insurance companies and coverage for your furry feline.

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