Lifetime cover
Protects your pet for life, as long as the policy is renewed each year.
📍 82%
Ragdoll cat pet insurance
Compare Ragdoll cat insurance.
Quotes from £3.71
Complete a purchase and earn a £10 reward with super save club logo
Do I need Ragdoll cat pet insurance?
Pet insurance is not a legal requirement in the UK. But it can financially protects you if your Ragdoll is hurt or involved in an incident.
Ragdoll insurance can cover costs in the following situations:
Your Ragdoll falls ill or develops a chronic condition
Your Ragdoll is injured, or needs to be put down
Your Ragdoll is lost or stolen
How much is Ragdoll cat insurance?
Cheapest monthly price
£3
.71^
Average monthly price
£8
.12^
Are Ragdolls expensive to insure?
Ragdolls have historically been more expensive to insure than some other cat breeds due to their pedigree status but not in all cases.
The average cost of cat insurance is£7.69
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 Ragdolls insurance should I get?
There are four main types of Ragdoll 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 does Ragdoll insurance cover?
Cover varies by provider and policy, so always check your insurance documents.
-
Typically covered
✔ Vet bills e.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)
What is the most common pet insurance claim for Ragdoll cats?
These were the 5 most common claims made on Ragdoll cat insurance in 2025, according to The Insurance Emporium.
Claim type | Claim amount |
|---|---|
Hyperthyroidism | £287^ |
Osteoarthritis | £126^ |
Cystitis | £333^ |
Arthritis | £184^ |
Anorexia | £230^ |
Will my pet insurance cover all these illnesses and accidents?
Accident-only policies pay for injuries. For example, they would cover you if your cat was run over by a car. However, this policy won't cover illnesses such as anorexia. So if your Ragdoll cat stopped eating, you’d be paying an average of £230
Time-limited and maximum benefit policies also include illness cover, but only for a fixed time period or financial limit. Once that limit ends, chronic and recurring problems like arthritis stop being covered. This could leave you facing repeated out-of-pocket costs of £184
Lifetime policies reset the vet fees limit each year, so you can keep claiming for ongoing conditions. The downside is premiums usually increase each year, and switching insurer means losing cover for existing conditions.
Can I get pet insurance if my Ragdoll has a pre-existing condition?
Yes. You can cover most pre-existing conditions if you take out specialist pet insurance. These policies will almost certainly be pricier than standard policies.
No pre-existing conditions | Pre-existing conditions |
|---|---|
£23.63 | £12.88 |
What health issues do Ragdolls have?
Heart issues
Obesity
Dental problems
Urinary tract infections
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 (£163.68^ ) or cat (£93.03^ ).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 Ragdolls make for good pets?
Ragdolls generally make great pets as they are affectionate, relaxed and gentle in nature. Due to their docile temperament they make great family pets and are considered great with children and other pets.
What is the life expectancy of a Ragdoll cat?
The average lifespan of a Ragdoll 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 Ragdoll 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 Ragdolls live indoors?
Unlike many cat breeds that have a strong prey drive and want to be outside to explore. Ragdoll cats can be suited to living indoors.
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
-
Pet's behavioural history
-
Pet's medical history
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Pet's health*
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Reviewed on 29 Apr 2026 by
Based on the 10th percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the Insurance Emporium's claims data, January-December 2025
Based on the 51st percentile of cheapest monthly prices quoted on MoneySuperMarket between 2026-01-29 and 2026-04-29 where the pet did not have pre-existing medical conditions.
Based on the 51 percentile of monthly premiums our customers were quoted less than £12.88 for pet insurance based on quotes created on MoneySuperMarket in the month of April 2024 where only 1 pet was included in the quote and the pet did have a pre-existing medical conditions
Accurate as of 22 April 2026.
Based on The Insurance Emporium's claims data, January to December 2025
Based on The Insurance Emporium's claims data, January to December 2025
Based on the 51 percentile of monthly premiums our customers were quoted less than £7.69 per month for cat insurance based on quotes created on MoneySuperMarket in the month of March 2026 where only 1 pet was included in the quote and the pet didnt have pre-existing medical conditions
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Based on Pet Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for all covertype.
Percentage of sold polices where the user searched for a covertype of LIFETIME. Using Moneysupermarket policies sold between January 2026 and March 2026.
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 median annual premium our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote and more less than 1 year old.
Based on the median annual premium our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote and more less than 1 year old.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Based on the Insurance Emporium's claims data, January-December 2025
Based on the Insurance Emporium's claims data, January-December 2025
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
Based on the 10th percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
Based on the 51st percentile of monthly premiums our customers were quoted per month for cat insurance based on quotes created on MoneySuperMarket between January 2026 and March 2026 where only 1 pet was included in the quote.
