By breed

Cat insurance by breed

What you pay — and what you actually need to be covered for — depends a lot on your cat's breed. We've broken down the 8 most popular UK cat breeds with their common conditions, typical premium loading, and the insurers we'd pick for each.

A relaxed pedigree cat resting on a windowsill in soft daylight

British Shorthair

+25%

Stocky, calm, and prone to a few inherited heart and kidney conditions.

4–8 kg·14–20 years

Ragdoll

+40%

Big, floppy, indoor-loving — and one of the most expensive breeds to insure.

4.5–9 kg·12–17 years

Persian

+45%

Flat-faced, high-maintenance, and prone to expensive long-term conditions.

3–5.5 kg·10–17 years

Maine Coon

+35%

Gentle giants with a habit of developing joint and heart problems.

4.5–11 kg·12–15 years

Siamese

+20%

Vocal, athletic, and surprisingly prone to dental and respiratory issues.

2.5–5.5 kg·12–20 years

Bengal

+30%

Energetic, intelligent, accident-prone — they will climb, fall, and injure themselves.

3.5–7 kg·12–16 years

Domestic Shorthair (Moggy)

Base rate

The healthiest, cheapest cat to insure — and the most common in UK homes.

3.5–6 kg·12–18 years

Sphynx

+50%

Hairless, high-maintenance, and one of the most expensive moggies to insure.

3.5–7 kg·9–15 years