The best pet insurance company for Bengal cats is AKC due to its comprehensive coverage options and strong customer service. Other top-rated options include Rainwalk, Pets Best and Lemonade.
Bengal Insurance
Updated: September 5, 2025
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Key Takeaways
AKC is the best pet insurance company for Bengal cats, offering strong coverage and service with a MoneyGeek score of 91 out of 100.
Lemonade offers the cheapest pet insurance rates for Bengal cats, with average rates of around $22 monthly for standard protection.
The average monthly premium for Bengal cat insurance is $64, making them the 13th most expensive breed to insure.
Best Bengal Pet Insurance Companies
| AKC | 4.55 | $37 | 3 | 1 |
| Rainwalk | 4.50 | $31 | 1 | 4 |
| Pets Best | 4.40 | $23 | 5 | 2 |
| Lemonade | 4.40 | $22 | 3 | 6 |
| Spot | 4.25 | $26 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for Bengal Cats
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$37Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Bengal Pet Insurance by State
AKC leads Bengal cat insurance in 42 states nationwide. Runner-up Rainwalk ranks best in 24 states, including Alabama, Alaska and Wisconsin.
| Alabama | Rainwalk | 4.55 |
| Alaska | AKC | 4.55 |
| Alaska | Rainwalk | 4.55 |
| Arizona | AKC | 4.55 |
| Arkansas | AKC | 4.60 |
| California | AKC | 4.55 |
| California | Rainwalk | 4.55 |
| Colorado | AKC | 4.55 |
| Connecticut | AKC | 4.55 |
| Connecticut | Rainwalk | 4.55 |
| Delaware | AKC | 4.55 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.50 |
| Georgia | Rainwalk | 4.50 |
| Hawaii | AKC | 4.55 |
| Hawaii | Rainwalk | 4.55 |
| Idaho | Rainwalk | 4.55 |
| Illinois | Rainwalk | 4.55 |
| Illinois | AKC | 4.55 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.50 |
| Kansas | Rainwalk | 4.55 |
| Kansas | AKC | 4.55 |
| Kentucky | AKC | 4.55 |
| Kentucky | Rainwalk | 4.55 |
| Louisiana | AKC | 4.55 |
| Maine | Rainwalk | 4.55 |
| Maine | AKC | 4.55 |
| Maryland | AKC | 4.45 |
| Massachusetts | Rainwalk | 4.55 |
| Michigan | Rainwalk | 4.55 |
| Minnesota | Rainwalk | 4.55 |
| Mississippi | AKC | 4.55 |
| Missouri | AKC | 4.55 |
| Montana | AKC | 4.55 |
| Montana | Rainwalk | 4.55 |
| Nebraska | AKC | 4.55 |
| Nevada | AKC | 4.55 |
| New Hampshire | AKC | 4.55 |
| New Jersey | AKC | 4.50 |
| New Jersey | Rainwalk | 4.50 |
| New Mexico | AKC | 4.60 |
| New York | Rainwalk | 4.55 |
| North Carolina | AKC | 4.55 |
| North Dakota | AKC | 4.60 |
| Ohio | AKC | 4.55 |
| Oklahoma | AKC | 4.60 |
| Oregon | AKC | 4.55 |
| Oregon | Rainwalk | 4.55 |
| Pennsylvania | AKC | 4.55 |
| Rhode Island | AKC | 4.55 |
| Rhode Island | Rainwalk | 4.55 |
| South Carolina | AKC | 4.60 |
| South Dakota | AKC | 4.60 |
| Tennessee | AKC | 4.55 |
| Tennessee | Rainwalk | 4.55 |
| Texas | AKC | 4.55 |
| Utah | Rainwalk | 4.55 |
| Vermont | AKC | 4.55 |
| Virginia | Rainwalk | 4.55 |
| Washington | AKC | 4.60 |
| West Virginia | AKC | 4.55 |
| Wisconsin | AKC | 4.50 |
| Wisconsin | Rainwalk | 4.50 |
| Wyoming | AKC | 4.55 |
| Wyoming | Rainwalk | 4.55 |
*Rates are based on a 6-year-old Bengal with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Bengal Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Bengals at $22 per month or $268 per year. Other budget-friendly options include Pets Best, Pumpkin, Figo and Hartville.
| Lemonade | $22 | $268 | 59% |
| Pets Best | $23 | $272 | 59% |
| Pumpkin | $24 | $288 | 56% |
| Hartville | $26 | $311 | 53% |
| Figo | $26 | $313 | 52% |
*Rates are based on a 6-year-old Bengal with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for Bengal Cats
MoneyGeek Rating
4.4/ 5
4.8/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$22Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Bengal Pet Insurance by State
Lemonade leads as the most affordable Bengal cat insurance provider, ranking lowest in 48 states. Monthly premiums range from $15 to $29, depending on your location.
| Alabama | Lemonade | $16 | 61% |
| Alaska | Lemonade | $22 | 60% |
| Arizona | Lemonade | $27 | 58% |
| Arkansas | Lemonade | $15 | 61% |
| California | Lemonade | $28 | 56% |
| Colorado | Lemonade | $28 | 58% |
| Connecticut | Lemonade | $26 | 59% |
| Delaware | Lemonade | $22 | 59% |
| Florida | Lemonade | $25 | 59% |
| Georgia | Lemonade | $20 | 58% |
| Hawaii | Lemonade | $23 | 60% |
| Idaho | Lemonade | $22 | 59% |
| Illinois | Lemonade | $28 | 58% |
| Indiana | Lemonade | $20 | 58% |
| Iowa | Lemonade | $19 | 60% |
| Kansas | Lemonade | $20 | 59% |
| Kentucky | Lemonade | $18 | 61% |
| Louisiana | Lemonade | $18 | 60% |
| Maine | Lemonade | $27 | 59% |
| Maryland | Lemonade | $22 | 62% |
| Massachusetts | Lemonade | $29 | 58% |
| Michigan | Lemonade | $22 | 59% |
| Minnesota | Lemonade | $23 | 58% |
| Mississippi | Lemonade | $19 | 60% |
| Missouri | Lemonade | $18 | 60% |
| Montana | Lemonade | $19 | 60% |
| Nebraska | Figo | $20 | 60% |
| Nevada | Lemonade | $23 | 59% |
| New Hampshire | Lemonade | $26 | 58% |
| New Jersey | Lemonade | $25 | 58% |
| New Mexico | Lemonade | $20 | 60% |
| New York | Lemonade | $24 | 59% |
| North Carolina | Lemonade | $20 | 60% |
| North Dakota | Lemonade | $17 | 60% |
| Ohio | Lemonade | $21 | 60% |
| Oklahoma | Lemonade | $19 | 60% |
| Oregon | Lemonade | $28 | 58% |
| Pennsylvania | Lemonade | $23 | 59% |
| Rhode Island | Lemonade | $19 | 60% |
| South Carolina | Lemonade | $21 | 59% |
| South Dakota | Lemonade | $20 | 60% |
| Tennessee | Lemonade | $21 | 59% |
| Texas | Lemonade | $24 | 58% |
| Utah | Lemonade | $21 | 60% |
| Vermont | Lemonade | $21 | 60% |
| Virginia | Lemonade | $24 | 60% |
| Washington | Lemonade | $26 | 60% |
| West Virginia | Lemonade | $19 | 59% |
| Wisconsin | Lemonade | $24 | 60% |
| Wyoming | Figo | $20 | 59% |
*Rates are based on a 6-year-old Bengal with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Bengal Insurance Cost?
Monthly pet insurance for Bengals costs between $43 and $82 across the U.S., ranking as the 13th most expensive breed to insure. Your actual premium will vary based on your location and chosen coverage options.
| Alabama | $48 | $577 | -25% |
| Alaska | $63 | $751 | -2% |
| Arizona | $76 | $908 | 18% |
| Arkansas | $43 | $519 | -32% |
| California | $80 | $958 | 25% |
| Colorado | $79 | $953 | 24% |
| Connecticut | $72 | $867 | 13% |
| Delaware | $64 | $774 | 1% |
| Florida | $72 | $866 | 13% |
| Georgia | $60 | $716 | -7% |
| Hawaii | $66 | $789 | 3% |
| Idaho | $63 | $755 | -2% |
| Illinois | $78 | $937 | 22% |
| Indiana | $58 | $697 | -9% |
| Iowa | $54 | $652 | -15% |
| Kansas | $58 | $690 | -10% |
| Kentucky | $52 | $627 | -18% |
| Louisiana | $51 | $615 | -20% |
| Maine | $79 | $942 | 23% |
| Maryland | $72 | $857 | 12% |
| Massachusetts | $82 | $987 | 29% |
| Michigan | $64 | $765 | -0% |
| Minnesota | $66 | $786 | 3% |
| Mississippi | $54 | $652 | -15% |
| Missouri | $50 | $602 | -21% |
| Montana | $53 | $640 | -17% |
| Nebraska | $57 | $681 | -11% |
| Nevada | $65 | $777 | 1% |
| New Hampshire | $73 | $874 | 14% |
| New Jersey | $75 | $896 | 17% |
| New Mexico | $56 | $673 | -12% |
| New York | $71 | $846 | 10% |
| North Carolina | $58 | $694 | -9% |
| North Dakota | $49 | $586 | -24% |
| Ohio | $60 | $714 | -7% |
| Oklahoma | $53 | $637 | -17% |
| Oregon | $79 | $946 | 23% |
| Pennsylvania | $67 | $804 | 5% |
| Rhode Island | $56 | $667 | -13% |
| South Carolina | $61 | $736 | -4% |
| South Dakota | $57 | $682 | -11% |
| Tennessee | $60 | $713 | -7% |
| Texas | $66 | $793 | 3% |
| Utah | $61 | $736 | -4% |
| Vermont | $59 | $707 | -8% |
| Virginia | $69 | $832 | 9% |
| Washington | $73 | $877 | 14% |
| West Virginia | $54 | $643 | -16% |
| Wisconsin | $69 | $824 | 8% |
| Wyoming | $58 | $696 | -9% |
*The rates include all coverage selections on the market for a 6-year-old Bengal. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Bengal Insurance Costs?
Bengal cats rank among the most expensive breeds to insure, with premiums reflecting unique health needs and specialized care requirements.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Bengal cats have health challenges that insurers consider when determining coverage. They are prone to hypertrophic cardiomyopathy, requiring expensive cardiac treatment and ongoing care. They also experience progressive retinal atrophy, hip dysplasia and patellar luxation. Genetic predisposition to these conditions results in higher insurance premiums.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Bengals are medium-sized cats with a muscular build, which influences their medical care requirements. While not as dramatic as large dog breeds, their robust build means they need appropriate medication amounts and specialized care for their muscular frame, particularly when dealing with joint or mobility issues.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $400 (Young) to $600 to $1,200 (Senior)
Bengal cats live 12 to 16 years, average for domestic cats. As they age, these active cats require more frequent veterinary care and specialized treatments. Senior Bengals commonly need additional screenings and management for age-related conditions, leading to increased medical expenses.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $3,500
Bengals cats' active nature and climbing tendencies can lead to injuries from falls or overexertion. They often require emergency care for sprains, broken bones or soft tissue injuries. Their hunting instincts can also result in accidents requiring immediate medical attention.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
Recent breeding practices have increased health risks in Bengal populations. Insurance providers scrutinize coverage for these cats due to potential inherited conditions. Selecting a Bengal cat from a reputable breeder who performs comprehensive health testing can reduce future medical expenses and improve insurance coverage options.
Consider your budget and your Bengal's specific medical history when selecting coverage. Veterinarian consultations help identify your cat's individual risk factors.
INSURANCE RISK PREVENTION
Keep your Bengal cat healthy by maintaining weight through measured portions and daily play sessions. Choose a breeder who tests for conditions like HCM and PRA to reduce health risks. Schedule twice-yearly vet checkups to catch potential issues early, and feed a high-quality protein diet that matches their active lifestyle. Regular dental cleaning and enrichment activities help prevent both physical and behavioral health problems.
How to Get the Best Cheap Bengal Pet Insurance
Finding affordable Bengal cat insurance takes some research, but these proven steps will help you save on coverage.
- 1
Evaluate Your Bengal's Needs
Bengals face unique health challenges that can affect insurance costs. Learn about pet insurance coverage options and consider your cat's age and health history when choosing a plan.
- 2
Compare Insurance Providers
Research multiple pet insurance companies that cover Bengal cats. Look at customer reviews, claim processing times, and coverage options to find reliable providers.
- 3
Review Policy Details
Check waiting periods and exclusions before signing up. Pay special attention to breed-specific condition coverage and any pre-existing condition limitations.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary significantly for the same coverage level, so comparing multiple options helps find the best deal.
- 5
Review Coverage Annually
Mark your calendar to check rates and coverage each year. Your Bengal's needs may change, and new, more affordable options might become available.
Bengal Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Bengals, while Lemonade offers the lowest monthly premiums at $22. Compare providers to find coverage matching your Bengal's health needs and budget. The right policy provides peace of mind and ensures quality care when health issues arise.
Pet Insurance for Bengal Cats: FAQ
Below are our expert answers to frequently asked questions about Bengal insurance:
What is the best pet insurance provider for Bengals overall?
AKC offers the best insurance for Bengals, featuring comprehensive coverage and exceptional customer experience ratings. Despite higher-than-average premiums, their extensive benefits and strong coverage options provide valuable protection for Bengal owners.
Who offers the cheapest pet insurance for Bengal cats?
Lemonade provides the most budget-friendly pet insurance for Bengals, with plans starting at $22 per month for standard coverage. Actual rates will vary depending on your location and pet's specific circumstances.
How much does Bengal insurance cost?
With a monthly premium of $64, Bengals rank as the 13th most expensive pet to insure. Monthly rates can vary significantly by location, ranging from $43 to $82 depending on your state.
What are the most common accident and illness risks for Bengal cats?
Bengal cats commonly face hypertrophic cardiomyopathy (a heart condition causing thickened heart walls), progressive retinal atrophy (gradual vision loss) and hip dysplasia (joint malformation affecting mobility). These health risks are primarily linked to the Bengal's genetic makeup as a hybrid breed descended from Asian leopard cats.
How We Found the Best and Cheapest Bengal Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Bengal cats. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Bengal cats.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Bengal
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.