How much is pet insurance for a Persian?

Every published Persian figure

Each source measures something different, so the figures sit side by side and are never averaged together. 3 published monthly figures run from $32 (Forbes Advisor, $5,000 limit) to $55 (Forbes Advisor, unlimited).

Where the Persian sits among 18 cat breeds

Ranked by Pawlicy's median, the Persian is the 5th most expensive of the 18 cat breeds and types Pawlicy lists, inside the ten priciest. Its median is 22% more than the middle cat breed on that list ($39.74) and 46% more than Pawlicy's mixed-breed cat ($33.30).

The spread inside the breed matters as much as the median. A quarter of Persian quotes came in under $31.99 and a quarter over $65.27; the middle half spans 69% of the median. The range sits fairly evenly around the median ($17 below, $17 above). Pawlicy does not say which ages, deductibles or limits sit at each end.

Health problems that drive Persian claims

The American College of Veterinary Surgeons names the Persian among the breeds predisposed to 1 condition covered here:

• Brachycephalic syndrome: no insurer-published average cost was found.

Hereditary conditions matter for buying decisions because the NAIC Pet Insurance Model Act (Section 4A) requires insurers to disclose any exclusion for pre-existing, hereditary, congenital or chronic conditions before a policy is sold. The Persian health problems page sets out each condition, its treatments and the costs.

Premiums against a real vet bill

Insurers' own claim data gives a sense of scale. For swallowing a foreign object, a common accident in any breed, Trupanion publishes an average claim of $2,964. At $48.51 a month that bill equals 61.1 months of premiums.

Worked through a policy with a $250 deductible and 80% reimbursement (the terms Forbes Advisor priced): the policy pays ($2,964 − $250) × 80% = $2,171, leaving $793 for the owner. Add a year of premiums ($582) and the insured year costs $1,375 against $2,964 without cover, $1,589 less. *The break-even bill, where both cost the same, is $250 + $582 ÷ 80% = $978 in a policy year; a year with smaller bills costs more insured. The calculator reruns this with other terms, and is pet insurance worth it? shows the method.

Age moves the price more than breed

These all-breed figures cannot be applied to the Persian figure above, but they show the direction. Forbes Advisor's average for a cat at a $5,000 limit runs from $24 at 3 months to $26 at 5 years (8% more). Insurify's medians climb from $22 for an adult cat to $62 for a senior, 182% more. NAPHIA's average cat premium rose 18% from 2021 to 2025. See pet insurance cost by age.

Similar cat premiums

• Scottish Fold: $48.72 a month (Pawlicy Advisor)
• Siberian: $49.43 a month (Pawlicy Advisor)
• Exotic Longhair: $46.82 a month (Pawlicy Advisor)
• Siamese: $44.62 a month (Pawlicy Advisor)

Premiums also vary by state: Pawlicy's all-pet median runs from Hawaii ($64.01) through Oklahoma ($43.97) to Alaska ($28.02). No source publishes breed figures by state, so this site does not combine the two. Browse every state or every breed.

Sources: Pawlicy Advisor (Median monthly premium of real Pawlicy customer quotes across the insurers it sells; the range is the 25th to 75th percentile. The page labels the median as the average.), Forbes Advisor, NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.