Sphynx insurance, explained
Hairless, high-maintenance, and one of the most expensive moggies to insure.
- Premium loading
- +50%
- Adult weight
- 3.5–7 kg
- Lifespan
- 9–15 years
Sphynx cats need more from an insurance policy than almost any other breed. HCM rates are the highest in the cat world, skin issues are constant, and a 'standard' policy will burn through its limit fast. Premium pricing reflects this — budget at least £30–£45/month.
Common health conditions to insure against
These are the conditions most commonly claimed for in Sphynxs. 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 lifetimeHighest HCM incidence of any breed. Lifetime cover, absolutely.
Skin conditions
£150–£500 per flare-upNo fur = constant skin issues. Make sure derm is included.
Hereditary myopathy
Lifelong managementRare but progressive. DNA testing helps.
Best insurers for Sphynxs
Based on the conditions above, these are the insurers we'd shortlist for a Sphynx. All offer lifetime cover with vet fee limits high enough to handle the breed's typical claims.
Confirm dermatology consults are covered, not just acute skin infections. A Sphynx will see a vet for skin reasons more often than for anything else.