Compare pet insurance deals
Check Which? insurance ratings and compare deals using the service provided by Confused.com
Get a quoteBy clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
10 most expensive cat breeds to insure in 2024
Find out which cat breeds are the most costly to insure on average
Thinking about getting a cat? They don't come cheap.
The average cost of owning a cat is at least £11,100 over their entire lifetime, according to the pet charity People's Dispensary for Sick Animals (PDSA).
This includes the cost of pet insurance. However, premiums can vary depending on the breed, and pedigree cats are often at higher risk of certain health problems, which could add to your costs.
Here, we reveal the 10 most expensive cat breeds to insure, plus tips to help bring premiums down.
Top 10 most expensive cat breeds to insure
Here are the top 10 most expensive cat breeds to insure in 2024, according to GoCompare.
- Maine Coon (pictured above) £331.25
- Sphynx £322.07
- Russian Blue £319.91
- Bengal £296.96
- Scottish Folds £279.27
- Persian £278.45
- British blue shorthair £267.16
- British shorthair £245.79
- Ragdoll £225.21
- Moggie £218.15
The research is based on the average cost of a lifetime insurance policy per year and shows you will pay £113 a year more, on average, to cover a Maine Coon compared with a moggie.
- Find out more: our picks for best cat insurance 2024.
Are cats cheaper to insure than dogs?
Yes, generally cats are cheaper to insure than dogs by a significant amount. This could be down to a range of factors, such as generally lower medical expenses and fewer visits to the vet.
You can compare these premiums by reading our story on the top 10 most expensive dog breeds to insure.
It’s worth noting that cats can sometimes experience unique health conditions, such as feline lower urinary tract disease (FLUTD), feline immunodeficiency virus (FIV) and feline leukemia virus (FeLV). These conditions are specific to cats and aren’t typically seen in other animals, such as dogs.
- Find out more: best and worst cat food brands
What can I do to lower my pet insurance premiums?
These tips can help you save money on pet insurance premiums, while still making sure your cat gets the care that it needs:
- Get insurance early on Consider starting insurance for your cat when it's healthy. This ensures you're covered for more conditions, as pre-existing ones are usually not covered.
- Pay annually Instead of monthly payments, pay for the insurance annually. It's usually cheaper in the long run because monthly plans add extra costs.
- Keep your cat healthy Regular vaccinations not only keep your furry friend healthy, but can also reduce insurance costs.
- Negotiate with your insurer If your insurance premiums go up, ask why. See if they can offer a better deal or match prices from other insurers.
- Choose your excess wisely Decide how much you're willing to pay out of pocket if you make a claim. A higher excess often means lower premiums, but make sure you can afford it if needed.
- Insure all your pets together If you have more than one pet, consider a multi-pet policy. It could save you money compared with insuring each pet separately.
- Look for cashback deals Check cashback websites such as Quidco and TopCashback while shopping for insurance. They give you money back when you buy through them, saving you extra cash.
Find out more: read our full guide on how to get cheap pet insurance.
Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665 and is an Introducer Appointed Representative (FRN 610689) of the following:
1. Inspop.com Ltd for the introduction of non-investment motor, home, travel and pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel and pet insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd.
2. LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts. LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.
3. HUB Financial Solutions, for the introduction of equity release advice, who are authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide advice and guidance on financial products for those who have retired or are approaching retirement (FCA Firm Reference Number: 455713). HUB Financial Solutions is registered in England and Wales to Enterprise House, Bancroft Road, Reigate, Surrey RH12 7RP, company number 05125701.
4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.
Other financial services:
Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We do not make, nor do we seek to make, any recommendations or personalised advice on financial products or services that are regulated by the FCA, as we’re not regulated or authorised by the FCA to advise you in this way. In some cases, however, we have included links to regulated brands or providers with whom we have a commercial relationship and, if you choose to, you can buy a product from our commercial partners.
If you go ahead and buy a product using our link, we will receive a commission to help fund our not-for-profit mission and our campaigns work as a champion for the UK consumer. Please note that a link alone does not constitute an endorsement by Which?.
