Ragdoll insurance, explained
Big, floppy, indoor-loving — and one of the most expensive breeds to insure.
- Premium loading
- +40%
- Adult weight
- 4.5–9 kg
- Lifespan
- 12–17 years
Ragdolls are the breed insurers quietly dread. Sweet temperament, indoor lifestyle, and a famously dodgy genetic profile around the heart and urinary tract. Expect to pay 30–50% more than for a moggy, and don't even consider anything less than full lifetime cover.
Common health conditions to insure against
These are the conditions most commonly claimed for in Ragdolls. They're the reason a lifetime policy with a high annual vet fee limit matters for this breed.
Hypertrophic Cardiomyopathy (HCM)
£2,000–£6,000 lifetimeRagdolls carry a specific HCM gene mutation. Lifetime cover, no exceptions.
Urinary tract issues (FLUTD)
£300–£1,200 per flare-upRecurrent. Time-limited cover runs out fast.
Bladder stones
£800–£2,500 per surgeryOften needs repeat surgery. High vet fee limit matters.
Best insurers for Ragdolls
Based on the conditions above, these are the insurers we'd shortlist for a Ragdoll. All offer lifetime cover with vet fee limits high enough to handle the breed's typical claims.
Ask the insurer specifically whether they apply a breed-specific exclusion for HCM — some do, and it makes the policy almost worthless for a Ragdoll.