Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 83%
Do I need Persian cat pet insurance?
Pet insurance is not a legal requirement in the UK. But it can financially protects you if your Persian is hurt or involved in an incident.
Persian insurance can cover costs in the following situations:
Your Persian falls ill or develops a chronic condition
Your Persian is injured, or needs to be put down
Your Persian is lost or stolen
How much is Persian cat insurance?
Cheapest monthly price
£3
.02^
Average monthly price
£5
.83^
Are Persian expensive to insure?
Persians can sometimes be more expensive to insure compared to moggie cats, mainly due to their susceptibility to certain health issues.
However, there is not usually as much variance in cat insurance between breeds compared to dog insurance.
What impacts the cost of pet insurance?
Some factors that change the price you pay for pet insurance are:
The type of cover you select
Your pet's age
Your pet's breed
If your pet has any history of aggression
If your pet has any pre-existing medical conditions
Your location
Your claim history
On average, owners of aggressive pets pay 8.50%
How can I get cheaper pet insurance?
Some ways to reduce the price of your pet insurance premiums include:
Compare quotes
Select a multi-pet policy
Select an accident-only policy
Maintain your pet's health
Increase your excess
Pay annually
Spay or neuter your pet
Spaying or neutering your pets will reduce your insurance costs by an average of 0.56%
You can find much bigger savings of up to 44.23%
How much is the average pet insurance claim?
£685^
According to the Association of British Insurers (ABI)
What type of Persian insurance should I get?
There are four main types of Persian pet insurance:
-
^ of customers choose lifetime pet insurance -
Maximum benefit
Sets limits on how much you can claim for any given illness or injury.
-
Time limited cover
Covers your pet for a specific period of time (usually 12 months).
-
Accident only cover
The cheapest option, but it only covers accidents, not illnesses.
📍 Accident only policies are 44.23%
^ cheaper on average
What is the most common pet insurance claim for Persian cats?
These were the 5 most common claims made on Persian cat insurance in 2025, according to The Insurance Emporium.
Claim type | Claim amount |
|---|---|
Hyperthyroidism | £616 |
Cardiomyopathy | £320 |
Renal Disease | £271 |
Fall | £1,051 |
Incontinence | £195 |
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies cover injuries, such as those caused by a fall, but they don’t include heart disease, organ issues, and other illnesses. This means if your Persian cat developed a condition such as cardiomyopathy, you could be left paying an average of £320
Time-limited and maximum benefit policies provide cover for illnesses, but only up to a set time limit or financial cap. Once that limit is reached, ongoing or recurring conditions like renal disease are no longer included, which could leave you covering repeated costs of around £271
Lifetime policies refresh the vet fee allowance each year, so you can continue claiming for long-term conditions like cardiomyopathy. However, premiums tend to rise over time, and moving to a new insurer usually means existing conditions won’t be covered.
What does Persian insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
-
Typically covered
✔ Vet billse.g. medicines, therapies and prescriptions
✔ Hospital visits
✔ Diagnosing illnesses e.g. consultations, X-rays, MRIs
✔ Alternative therapies e.g. hydrotherapy or acupuncture
✔ Euthanasia
✔ Lost and stolen pets e.g. advertising, rewards, cost of animal
✔ Emergency boarding fees e.g. while you are hospitalised
-
Not typically covered
✖ Routine care e.g. pet vaccinations, boosters, regular check-ups
✖ Routine dental treatment including routine check-ups
✖ Fleas and worming
✖ Elective or cosmetic treatments
✖ Cremation and burial
✖ Unvaccinated or unmicrochipped animals
✖ Third party liability cover(cat owners are not held legally liable like dog owners are)
Can I get pet insurance if my Persian has a pre-existing condition?
Yes. You can cover some previously diagnosed illnesses by taking out specialist pet insurance for pre-existing conditions.
These policies will almost certainly be pricier than standard policies and usually come with limits and restrictions. For example, your Persian may need to have shown no symptoms for several months.
The maximum amount the insurance will pay out for a claim related to a pre-existing condition may also be lower than the amount it would pay for a new illness.
What health issues do Persians have?
Joint issues
Heart problems
Kidney conditions
Dental Disease
Our expert says…
While opting for a cheaper pet insurance policy might save you a few pounds a month, it's a good idea to consider what the policy covers and the actual cost of veterinary care if your pet gets sick.
According to the ABI, the average pet insurance claim in the UK was £685
^ in 2024. That's significantly higher than the average annual cost of cover for a dog (£167.64^ ) or cat (£93.36^ ).And while that’s the average, some conditions can be far more expensive. For example, treatment for elbow dysplasia, a common condition in large dog breeds, can cost over £50,000, according to the ABI.
Lauren Chong Pet Insurance Expert
Frequently Asked Questions
Do Persians make for good pets?
Persian cats can make excellent family pets. They are known to be gentle and social by nature and are seen as a relatively low-maintenance companion.
What is the life expectancy of a Persian cat?
The average lifespan of a Persian cat typically ranges from 12 to 17 years. But this can vary depending on factors such as genetics, overall health, diet, exercise, and veterinary care.
Do I need to get my Persian microchipped?
Yes. In the UK it is a legal requirement that all cats are microchipped and registered before they are eight weeks old.
If you do not microchip your cat you can be fined up to £500.
Can a Persian cat live indoors?
Persian cats are generally well-suited to indoor living. Persians will thrive with the right stimulation and exercise including scratching posts and plenty of toys
Compare pet insurance quotes from the UK's leading insurers
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What information do I need to get a pet insurance quote?
-
Pet’s age
-
Pet's breed or size
-
Pet's cost
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Pet's behavioural history
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Pet's medical history
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Pet's health*
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Reviewed on 23 Jul 2026 by
Source: Association of British Insurers (ABI), 2025, 'Insurance payouts for ‘pawly’ pets top £1 billion for third year in a row' https://www.abi.org.uk/news/news-articles/2025/5/insurance-payouts-for-pawly-pets-top-1-billion-for-third-year-in-a-row/
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between April 2026 and June 2026 where only 1 pet was included in the quote.
Based on the 10th percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between April 2026 and June 2026 where only 1 pet was included in the quote.
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