The best pet insurance company is AKC due to its strong customer satisfaction scores and comprehensive coverage options. Other top-rated options are Rainwalk, Pets Best and Lemonade.
Birman Insurance
Updated: September 2, 2025
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Key Takeaways
AKC is the best pet insurance company for Birmans, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Birmans, with average rates of around $19 monthly for standard protection.
The average monthly premium for Birmans is $61, making them the 22nd most expensive breed to insure.
Best Birman Pet Insurance Companies
| AKC | 4.55 | $37 | 3 | 1 |
| Rainwalk | 4.50 | $30 | 1 | 4 |
| Pets Best | 4.40 | $23 | 5 | 2 |
| Lemonade | 4.40 | $22 | 3 | 6 |
| Spot | 4.30 | $24 | 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 Birmans
MoneyGeek Rating
4.5/ of 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 Birman Pet Insurance by State
AKC leads Birman pet insurance rankings in 42 states nationwide. Runner-up Rainwalk tops the list in 28 states, including Alaska, Alabama and Wisconsin.
| Alabama | Rainwalk | 4.55 |
| Alaska | Rainwalk | 4.55 |
| Alaska | AKC | 4.55 |
| Arizona | AKC | 4.55 |
| Arkansas | AKC | 4.60 |
| California | Rainwalk | 4.55 |
| California | AKC | 4.55 |
| Colorado | AKC | 4.55 |
| Connecticut | AKC | 4.55 |
| Connecticut | Rainwalk | 4.55 |
| Delaware | AKC | 4.55 |
| Florida | AKC | 4.55 |
| Georgia | Rainwalk | 4.55 |
| Hawaii | AKC | 4.55 |
| Hawaii | Rainwalk | 4.55 |
| Idaho | Rainwalk | 4.55 |
| Idaho | AKC | 4.55 |
| Illinois | Rainwalk | 4.55 |
| Illinois | AKC | 4.55 |
| Indiana | AKC | 4.60 |
| Iowa | AKC | 4.50 |
| Iowa | Rainwalk | 4.50 |
| Kansas | Rainwalk | 4.55 |
| Kansas | AKC | 4.55 |
| Kentucky | Rainwalk | 4.55 |
| Kentucky | AKC | 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 |
| Missouri | Rainwalk | 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 | Rainwalk | 4.55 |
| Oregon | AKC | 4.55 |
| Pennsylvania | AKC | 4.55 |
| Rhode Island | AKC | 4.55 |
| Rhode Island | Rainwalk | 4.55 |
| South Carolina | AKC | 4.55 |
| South Carolina | Rainwalk | 4.55 |
| South Dakota | AKC | 4.60 |
| Tennessee | Rainwalk | 4.55 |
| Tennessee | AKC | 4.55 |
| Texas | AKC | 4.55 |
| Texas | Rainwalk | 4.55 |
| Utah | Rainwalk | 4.55 |
| Vermont | AKC | 4.55 |
| Virginia | Rainwalk | 4.55 |
| Washington | AKC | 4.60 |
| West Virginia | AKC | 4.55 |
| Wisconsin | Rainwalk | 4.50 |
| Wisconsin | AKC | 4.50 |
| Wyoming | AKC | 4.55 |
| Wyoming | Rainwalk | 4.55 |
*Rates are based on a 6-year-old Birman 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 Birman Pet Insurance Companies
Pumpkin offers the lowest-cost pet insurance for Birmans at $19 per month or $224 annually. Other budget-friendly providers include Lemonade, Pets Best, Hartville and Spot.
| Pumpkin | $19 | $224 | 66% |
| Lemonade | $22 | $259 | 60% |
| Pets Best | $23 | $275 | 58% |
| Hartville | $23 | $279 | 57% |
| Spot | $24 | $286 | 56% |
*Rates are based on a 6-year-old Birman with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Birmans
MoneyGeek Rating
4.1/ of 5
4.9/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$19Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Virtual vet visits
Cheapest Birman Pet Insurance by State
Pumpkin offers the most budget-friendly insurance for Birmans, ranking lowest in 50 states. Monthly premiums range from $13 to $24, depending on your location.
| Alabama | Pumpkin | $14 | 68% |
| Alaska | Pumpkin | $18 | 66% |
| Arizona | Pumpkin | $23 | 65% |
| Arkansas | Pumpkin | $13 | 68% |
| California | Pumpkin | $24 | 64% |
| Colorado | Pumpkin | $24 | 65% |
| Connecticut | Pumpkin | $22 | 66% |
| Delaware | Pumpkin | $19 | 66% |
| Florida | Pumpkin | $21 | 66% |
| Georgia | Pumpkin | $17 | 65% |
| Hawaii | Pumpkin | $19 | 67% |
| Idaho | Pumpkin | $19 | 66% |
| Illinois | Pumpkin | $23 | 65% |
| Indiana | Pumpkin | $17 | 65% |
| Iowa | Pumpkin | $16 | 67% |
| Kansas | Pumpkin | $17 | 66% |
| Kentucky | Pumpkin | $15 | 68% |
| Louisiana | Pumpkin | $15 | 67% |
| Maine | Pumpkin | $23 | 66% |
| Maryland | Pumpkin | $19 | 69% |
| Massachusetts | Pumpkin | $24 | 65% |
| Michigan | Pumpkin | $19 | 66% |
| Minnesota | Pumpkin | $20 | 65% |
| Mississippi | Pumpkin | $16 | 67% |
| Missouri | Pumpkin | $15 | 67% |
| Montana | Pumpkin | $16 | 66% |
| Nebraska | Pumpkin | $17 | 66% |
| Nevada | Pumpkin | $20 | 65% |
| New Hampshire | Pumpkin | $22 | 65% |
| New Jersey | Pumpkin | $21 | 65% |
| New Mexico | Pumpkin | $17 | 66% |
| New York | Pumpkin | $21 | 65% |
| North Carolina | Pumpkin | $17 | 67% |
| North Dakota | Pumpkin | $15 | 66% |
| Ohio | Pumpkin | $17 | 67% |
| Oklahoma | Pumpkin | $16 | 66% |
| Oregon | Pumpkin | $24 | 65% |
| Pennsylvania | Pumpkin | $20 | 66% |
| Rhode Island | Pumpkin | $16 | 66% |
| South Carolina | Pumpkin | $18 | 65% |
| South Dakota | Pumpkin | $17 | 67% |
| Tennessee | Pumpkin | $17 | 66% |
| Texas | Pumpkin | $20 | 65% |
| Utah | Pumpkin | $18 | 66% |
| Vermont | Pumpkin | $18 | 66% |
| Virginia | Pumpkin | $20 | 67% |
| Washington | Pumpkin | $22 | 67% |
| West Virginia | Pumpkin | $16 | 66% |
| Wisconsin | Pumpkin | $20 | 67% |
| Wyoming | Pumpkin | $18 | 66% |
*Rates are based on a 6-year-old Birman 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 Birman Insurance Cost?
Monthly pet insurance for Birmans ranges from $41 to $78 depending on location, ranking as the 22nd most expensive breed to insure nationwide. Your actual premium will vary based on your coverage choices and pet's specific needs.
| Alabama | $46 | $547 | -25% |
| Alaska | $59 | $713 | -2% |
| Arizona | $72 | $860 | 18% |
| Arkansas | $41 | $492 | -32% |
| California | $76 | $909 | 25% |
| Colorado | $75 | $903 | 24% |
| Connecticut | $69 | $822 | 13% |
| Delaware | $61 | $734 | 1% |
| Florida | $68 | $821 | 13% |
| Georgia | $56 | $679 | -7% |
| Hawaii | $62 | $748 | 3% |
| Idaho | $59 | $715 | -2% |
| Illinois | $74 | $889 | 22% |
| Indiana | $55 | $661 | -9% |
| Iowa | $51 | $618 | -15% |
| Kansas | $55 | $654 | -10% |
| Kentucky | $49 | $594 | -18% |
| Louisiana | $49 | $583 | -20% |
| Maine | $74 | $893 | 23% |
| Maryland | $68 | $812 | 12% |
| Massachusetts | $78 | $936 | 29% |
| Michigan | $60 | $725 | -0% |
| Minnesota | $62 | $745 | 3% |
| Mississippi | $51 | $618 | -15% |
| Missouri | $48 | $571 | -21% |
| Montana | $50 | $607 | -17% |
| Nebraska | $54 | $646 | -11% |
| Nevada | $61 | $737 | 1% |
| New Hampshire | $69 | $829 | 14% |
| New Jersey | $71 | $850 | 17% |
| New Mexico | $53 | $638 | -12% |
| New York | $67 | $802 | 10% |
| North Carolina | $55 | $658 | -9% |
| North Dakota | $46 | $555 | -24% |
| Ohio | $56 | $677 | -7% |
| Oklahoma | $50 | $604 | -17% |
| Oregon | $75 | $897 | 23% |
| Pennsylvania | $64 | $762 | 5% |
| Rhode Island | $53 | $632 | -13% |
| South Carolina | $58 | $699 | -4% |
| South Dakota | $54 | $646 | -11% |
| Tennessee | $56 | $676 | -7% |
| Texas | $63 | $752 | 3% |
| Utah | $58 | $698 | -4% |
| Vermont | $56 | $670 | -8% |
| Virginia | $66 | $789 | 9% |
| Washington | $69 | $832 | 14% |
| West Virginia | $51 | $610 | -16% |
| Wisconsin | $65 | $782 | 8% |
| Wyoming | $55 | $660 | -9% |
*The rates include all coverage selections on the market for a 6-year-old Birman. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Birman Insurance Costs?
Birman cats have higher pet insurance premiums due to their purebred status and breed-specific health factors. These elements drive increased costs and affect coverage decisions for Birman owners.
Health Predispositions
Potential Vet Costs: $1,200 to $8,500
Birmans face several breed-specific health conditions that increase insurance premiums. Hypertrophic cardiomyopathy commonly requires expensive cardiac treatment in this breed. Birmans also develop kidney disease, dental problems and eye conditions like retinal atrophy. Treatment costs accumulate quickly, making comprehensive coverage essential for Birman owners.
Size-Related Factors
Potential Vet Cost Increase: 10% to 20% higher vet costs
Birmans weigh 6 to 12 pounds and require standard medication doses for medium-sized cats. Their long fur and specific grooming needs can lead to skin conditions requiring veterinary treatment. Their build affects recovery from procedures, particularly when mobility support or specialized care is needed.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $400 (Young) to $600 to $1,200 (Senior)
Birmans live 12 to 16 years, average for indoor cats. The likelihood of chronic conditions increases after age 7 in this breed. Senior Birmans require frequent veterinary care, specialized diets and management of age-related conditions, leading to higher annual medical expenses.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $3,000
Birmans are gentle, moderately active cats that can develop stress-related conditions if environmental needs aren't met. Their climbing habits and playful bursts can lead to injuries like sprains or falls. Regular preventive care helps manage Birmans' activity-related health risks.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $5,000
Poor breeding practices increase genetic health risks in Birmans. Insurance providers consider inherited conditions when evaluating coverage options. Getting kittens from responsible breeders conducting genetic health screenings reduces future medical expenses and ensure better coverage eligibility.
Birman insurance costs depend on your cat's individual health profile and risk factors. Consider your cat's specific medical needs and your budget when selecting coverage. Consult your veterinarian about unique risk factors affecting your Birman's insurance needs.
INSURANCE RISK PREVENTION
Protect your Birman's health by maintaining a consistent feeding schedule and providing fresh water in multiple locations to support kidney function. Schedule annual heart screenings and dental cleanings to catch issues early. Choose high-quality cat food appropriate for their life stage, and keep them at a healthy weight through regular play sessions. Work with breeders who screen for genetic heart conditions.
How to Get the Best Cheap Birman Pet Insurance
Finding affordable Birman insurance takes some research, but these steps make the process straightforward.
- 1
Understand Your Coverage Options
Birmans can face specific health issues, so consider how much protection you need. Review pet insurance coverage options to match your cat's needs and your budget.
- 2
Compare Insurance Companies
Get familiar with different pet insurance providers and their typical rates for Birmans. Look at customer reviews and coverage features to find reliable insurers with competitive prices.
- 3
Review Policy Details
Check waiting periods and what conditions aren't covered before signing up. Ask for a sample policy specific to your state to understand exactly what you're buying.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance companies. Prices can vary by hundreds of dollars for the same coverage, so comparing options is worth your time.
- 5
Check Rates Yearly
Don't automatically renew your policy each year. Shop around for new quotes and review your coverage needs annually to ensure you're still getting the best deal.
Birman Cat Insurance: Bottom Line
AKC is the best pet insurance provider for Birmans, while Pumpkin offers the lowest monthly premiums. Compare both insurers, along with other trusted options, to find coverage that matches your cat's health needs and your budget. The right policy provides peace of mind and ensures quality care when health issues arise.
Pet Insurance for Birman: FAQ
Below are our expert answers to frequently asked questions about Birman insurance:
What is the best pet insurance provider for Birmans overall?
AKC offers the best insurance for Birmans, featuring comprehensive coverage and outstanding customer service. Despite higher-than-average premiums, their exceptional benefits and thorough protection make them a valuable choice for Birman owners.
Who offers the cheapest pet insurance for Birmans?
Pumpkin offers the most affordable pet insurance for Birmans at $19 per month for standard coverage. Keep in mind that actual rates will vary based on your location and pet's specific circumstances.
How much does Birman insurance cost?
With a monthly premium of $61, Birmans rank as the 22nd most expensive breed to insure. Monthly rates across states can vary significantly, ranging from $41 to $78.
What are the most common accident and illness risks for Birmans?
Birmans commonly face hypertrophic cardiomyopathy (a heart condition causing thickened heart muscles), polycystic kidney disease (inherited disorder forming fluid-filled cysts in kidneys), and corneal dermoid (abnormal skin tissue growth on the eye's surface). These health risks are primarily linked to the breed's genetic predisposition and inherited traits.
How We Found the Best and Cheapest Birman Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Birmans. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Birmans.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Birman
- $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.