Rainwalk and AKC are the best pet insurance companies for British Shorthairs due to their exceptional customer service and comprehensive coverage options. Other strong choices include Pets Best and Lemonade.
British Shorthair Insurance
Updated: September 2, 2025
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Key Takeaways
Rainwalk and AKC are the best pet insurance companies for British Shorthairs, offering strong coverage and service quality.
Pets Best offers the cheapest pet insurance rates for British Shorthairs, with average rates of around $20 monthly for standard protection.
Pet insurance for British Shorthairs costs an average of $66 per month, making them the 10th most expensive breed to insure.
Best British Shorthair Pet Insurance Companies
| Rainwalk | 4.50 | $32 | 1 | 4 |
| AKC | 4.50 | $38 | 3 | 1 |
| Pets Best | 4.45 | $20 | 5 | 2 |
| Lemonade | 4.40 | $22 | 3 | 6 |
| Spot | 4.25 | $28 | 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 Pet Insurance for British Shorthair
MoneyGeek Rating
4.5/ of 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$38Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers curable pre-existing conditions
Best British Shorthair Pet Insurance by State
AKC leads British Shorthair insurance coverage in 48 states nationwide. Rainwalk ranks as the second-most-popular choice, topping the list in 24 states including Alabama, Arizona and Wisconsin.
| Alabama | Rainwalk | 4.50 |
| Alabama | AKC | 4.50 |
| Alaska | AKC | 4.55 |
| Arizona | AKC | 4.50 |
| Arizona | Rainwalk | 4.50 |
| Arkansas | AKC | 4.55 |
| California | AKC | 4.55 |
| Colorado | AKC | 4.55 |
| Connecticut | AKC | 4.55 |
| Delaware | AKC | 4.50 |
| Delaware | Rainwalk | 4.50 |
| Florida | AKC | 4.55 |
| Georgia | AKC | 4.50 |
| Georgia | Rainwalk | 4.50 |
| Hawaii | AKC | 4.55 |
| Idaho | Rainwalk | 4.50 |
| Idaho | AKC | 4.50 |
| Illinois | Rainwalk | 4.55 |
| Illinois | AKC | 4.55 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.50 |
| Kansas | Rainwalk | 4.50 |
| Kansas | AKC | 4.50 |
| Kentucky | AKC | 4.55 |
| Kentucky | Rainwalk | 4.55 |
| Louisiana | AKC | 4.50 |
| Maine | Rainwalk | 4.50 |
| Maine | AKC | 4.50 |
| Maryland | AKC | 4.45 |
| Maryland | Pets Best | 4.45 |
| Massachusetts | Rainwalk | 4.50 |
| Massachusetts | AKC | 4.50 |
| Michigan | Rainwalk | 4.55 |
| Minnesota | Rainwalk | 4.50 |
| Minnesota | AKC | 4.50 |
| Mississippi | AKC | 4.55 |
| Missouri | AKC | 4.50 |
| Missouri | Rainwalk | 4.50 |
| Montana | AKC | 4.55 |
| Montana | Rainwalk | 4.55 |
| Nebraska | AKC | 4.50 |
| Nebraska | Rainwalk | 4.50 |
| Nevada | AKC | 4.50 |
| New Hampshire | AKC | 4.50 |
| New Hampshire | Rainwalk | 4.50 |
| New Jersey | AKC | 4.50 |
| New Mexico | AKC | 4.55 |
| New York | Rainwalk | 4.50 |
| New York | AKC | 4.50 |
| North Carolina | AKC | 4.50 |
| North Dakota | AKC | 4.60 |
| Ohio | AKC | 4.50 |
| Ohio | Rainwalk | 4.50 |
| Oklahoma | AKC | 4.60 |
| Oregon | AKC | 4.55 |
| Pennsylvania | AKC | 4.55 |
| Rhode Island | AKC | 4.55 |
| Rhode Island | Rainwalk | 4.55 |
| South Carolina | AKC | 4.60 |
| South Dakota | AKC | 4.55 |
| Tennessee | AKC | 4.55 |
| Tennessee | Rainwalk | 4.55 |
| Texas | AKC | 4.55 |
| Utah | Rainwalk | 4.50 |
| Utah | AKC | 4.50 |
| 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 British Shorthair 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 British Shorthair Pet Insurance Companies
Pets Best provides the most affordable pet insurance for British Shorthairs at $20 per month or $247 per year. Other budget-friendly options include Lemonade, Hartville, Figo and Spot.
| Pets Best | $20 | $247 | 62% |
| Lemonade | $22 | $266 | 59% |
| Hartville | $28 | $329 | 50% |
| Figo | $28 | $333 | 49% |
| Spot | $28 | $336 | 49% |
*Rates are based on a 6-year-old British Shorthair with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for British Shorthair
MoneyGeek Rating
4.5/ of 5
4.9/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$20Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest British Shorthair Pet Insurance by State
Pets Best offers the most affordable British Shorthair insurance, ranking lowest in 50 states. Monthly premiums range from $14 to $26, depending on your location.
| Alabama | Pets Best | $15 | 64% |
| Alaska | Pets Best | $20 | 63% |
| Arizona | Pets Best | $25 | 61% |
| Arkansas | Pets Best | $14 | 64% |
| California | Pets Best | $26 | 60% |
| Colorado | Pets Best | $26 | 62% |
| Connecticut | Pets Best | $23 | 62% |
| Delaware | Pets Best | $20 | 63% |
| Florida | Pets Best | $23 | 62% |
| Georgia | Pets Best | $18 | 62% |
| Hawaii | Pets Best | $21 | 63% |
| Idaho | Pets Best | $20 | 62% |
| Illinois | Pets Best | $25 | 61% |
| Indiana | Pets Best | $18 | 62% |
| Iowa | Pets Best | $17 | 63% |
| Kansas | Pets Best | $18 | 63% |
| Kentucky | Pets Best | $16 | 64% |
| Louisiana | Pets Best | $16 | 63% |
| Maine | Pets Best | $25 | 62% |
| Maryland | Pets Best | $20 | 65% |
| Massachusetts | Pets Best | $26 | 61% |
| Michigan | Pets Best | $20 | 62% |
| Minnesota | Pets Best | $21 | 62% |
| Mississippi | Pets Best | $17 | 63% |
| Missouri | Pets Best | $16 | 63% |
| Montana | Pets Best | $17 | 63% |
| Nebraska | Pets Best | $18 | 63% |
| Nevada | Pets Best | $21 | 62% |
| New Hampshire | Pets Best | $24 | 62% |
| New Jersey | Pets Best | $23 | 62% |
| New Mexico | Pets Best | $18 | 63% |
| New York | Pets Best | $22 | 62% |
| North Carolina | Pets Best | $18 | 64% |
| North Dakota | Pets Best | $16 | 63% |
| Ohio | Pets Best | $19 | 63% |
| Oklahoma | Pets Best | $17 | 63% |
| Oregon | Pets Best | $25 | 61% |
| Pennsylvania | Pets Best | $21 | 63% |
| Rhode Island | Pets Best | $18 | 63% |
| South Carolina | Pets Best | $19 | 62% |
| South Dakota | Pets Best | $18 | 64% |
| Tennessee | Pets Best | $19 | 62% |
| Texas | Pets Best | $22 | 61% |
| Utah | Pets Best | $19 | 63% |
| Vermont | Pets Best | $19 | 63% |
| Virginia | Pets Best | $22 | 63% |
| Washington | Pets Best | $23 | 64% |
| West Virginia | Pets Best | $18 | 62% |
| Wisconsin | Pets Best | $22 | 63% |
| Wyoming | Pets Best | $19 | 62% |
*Rates are based on a 6-year-old British Shorthair 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 British Shorthair Insurance Cost?
Monthly pet insurance for British Shorthairs ranges from $45 to $85 across states, ranking as the 10th most expensive breed to insure. Your actual premium depends on your location and chosen coverage options.
| Alabama | $50 | $599 | -25% |
| Alaska | $65 | $780 | -2% |
| Arizona | $79 | $941 | 18% |
| Arkansas | $45 | $539 | -32% |
| California | $83 | $994 | 25% |
| Colorado | $82 | $988 | 24% |
| Connecticut | $75 | $900 | 13% |
| Delaware | $67 | $803 | 1% |
| Florida | $75 | $898 | 13% |
| Georgia | $62 | $743 | -7% |
| Hawaii | $68 | $819 | 3% |
| Idaho | $65 | $783 | -2% |
| Illinois | $81 | $972 | 22% |
| Indiana | $60 | $723 | -9% |
| Iowa | $56 | $676 | -15% |
| Kansas | $60 | $715 | -10% |
| Kentucky | $54 | $650 | -18% |
| Louisiana | $53 | $638 | -20% |
| Maine | $82 | $978 | 23% |
| Maryland | $74 | $888 | 12% |
| Massachusetts | $85 | $1,024 | 29% |
| Michigan | $66 | $793 | -0% |
| Minnesota | $68 | $815 | 3% |
| Mississippi | $56 | $676 | -15% |
| Missouri | $52 | $625 | -21% |
| Montana | $55 | $664 | -17% |
| Nebraska | $59 | $707 | -11% |
| Nevada | $67 | $806 | 1% |
| New Hampshire | $76 | $907 | 14% |
| New Jersey | $78 | $930 | 17% |
| New Mexico | $58 | $698 | -12% |
| New York | $73 | $878 | 10% |
| North Carolina | $60 | $720 | -9% |
| North Dakota | $51 | $608 | -24% |
| Ohio | $62 | $740 | -7% |
| Oklahoma | $55 | $661 | -17% |
| Oregon | $82 | $981 | 23% |
| Pennsylvania | $70 | $834 | 5% |
| Rhode Island | $58 | $692 | -13% |
| South Carolina | $64 | $766 | -4% |
| South Dakota | $59 | $707 | -11% |
| Tennessee | $62 | $740 | -7% |
| Texas | $69 | $822 | 3% |
| Utah | $64 | $763 | -4% |
| Vermont | $61 | $733 | -8% |
| Virginia | $72 | $863 | 9% |
| Washington | $76 | $910 | 14% |
| West Virginia | $56 | $667 | -16% |
| Wisconsin | $71 | $855 | 8% |
| Wyoming | $60 | $722 | -9% |
*The rates include all coverage selections on the market for a 6-year-old British Shorthair. Your rates will differ based on your pet's specific profile and location.
What Factors Affect British Shorthair Insurance Costs?
British Shorthairs come with higher pet insurance premiums compared to many other cat breeds. Several breed-specific health factors drive these costs up, but there are ways to keep your coverage affordable.
Health Predispositions
Potential Vet Costs: $1,200 to $8,500
British Shorthairs face several breed-specific health challenges that insurers consider high-risk conditions. Hypertrophic cardiomyopathy, a serious heart condition, often requires expensive ongoing treatment and monitoring. They are also prone to polycystic kidney disease, dental disease, and joint problems. These hereditary conditions significantly influence insurance costs and coverage options.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
British Shorthairs are medium to large-sized cats, which affects their medical care costs. Their sturdy build requires carefully calculated medication doses and appropriately sized equipment for procedures. Recovery from surgery or illness often involves specialized feeding plans and mobility assistance, particularly as they age, leading to increased treatment expenses.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $400 (Young) to $600 to $1,200 (Senior)
British Shorthairs typically live 14 to 20 years, longer than many cat breeds. This extended lifespan means more years of potential health issues, particularly in their senior phase. Veterinary costs usually increase significantly after age 10, when cats require more frequent checkups and often develop age-related conditions requiring ongoing management.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $3,500
While British Shorthairs are generally calm and less prone to accidents than more active breeds, their substantial weight can lead to joint stress and injury during normal activities. Their reserved nature means they're less likely to encounter trauma from exploration or fighting, but their size makes any necessary medical intervention more complex and costly.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $7,000
The rising popularity of British Shorthairs has led to increased breeding without proper health screening, resulting in more genetic health issues. Insurance providers now scrutinize this breed more carefully, potentially affecting coverage terms and costs. Selecting a cat from health-tested parents significantly reduces the risk of expensive hereditary conditions.
While British Shorthairs share common health traits, your cat's individual health profile matters most when considering insurance. Base your coverage decision on your pet's specific needs and your budget. A conversation with your vet can help identify which health risks apply to your British Shorthair.
INSURANCE RISK PREVENTION
Protect your British Shorthair's health by maintaining a healthy weight through portion control and regular play. Choose breeders who screen for heart conditions, particularly HCM. Schedule yearly vet checkups to catch potential issues early, and brush teeth regularly to prevent dental disease. These preventive steps help avoid costly health problems while supporting your cat's typical 14- to 20-year lifespan.
How to Get the Best Cheap British Shorthair Pet Insurance
Getting affordable British Shorthair insurance requires some homework. Follow these steps:
- 1
Evaluate Your Coverage Needs
British Shorthairs can face specific health challenges like heart conditions that affect insurance costs. Review pet insurance coverage options and consider your cat's age and health history when choosing a plan.
- 2
Compare Insurance Providers
Get quotes from at least three different pet insurance companies. Look for providers with positive customer reviews and clear policies about covering breed-specific conditions.
- 3
Understand Policy Details
Check waiting periods and exclusions before signing up. Pay special attention to coverage for hereditary conditions and how the company handles pre-existing conditions.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Insurance costs can vary by hundreds of dollars between providers for the same coverage level.
- 5
Review Coverage Annually
Set a yearly reminder to check your policy and get new quotes. Your cat's needs change with age, and new insurance options may offer better value.
British Shorthair Cat Insurance: Bottom Line
AKC is the best pet insurance provider for British Shorthairs, while Pets Best offers the lowest monthly premiums. Compare both providers, 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 reliable coverage when health issues arise.
Pet Insurance for British Shorthair: FAQ
Our insurance experts answer your top questions about protecting your British Shorthair cat.
What is the best pet insurance provider for British Shorthairs overall?
AKC stands out as the top provider for British Shorthair insurance, offering comprehensive coverage and exceptional customer service. Despite higher-than-average rates, their extensive benefits and reliable protection make them a valuable choice for dedicated pet owners.
Who offers the cheapest pet insurance for British Shorthairs?
Pets Best provides the most affordable pet insurance for British Shorthairs, with plans starting at $20 per month for standard coverage. Actual rates will vary based on your location, pet's age, and other factors.
How much does British Shorthair insurance cost?
British Shorthairs rank as the 10th most expensive breed to insure, with average premiums of $66 per month. Monthly rates across states vary significantly, from $45 to $85.
What are the most common accident and illness risks for British Shorthairs?
British Shorthairs commonly face hypertrophic cardiomyopathy (a heart condition causing thickened heart muscles and reduced pumping efficiency), polycystic kidney disease (inherited disorder forming fluid-filled cysts in kidneys), and dental disease (periodontal issues affecting teeth and gums). These health risks are primarily linked to the breed's genetic predisposition and physical characteristics.
How We Found the Best and Cheapest British Shorthair Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for British Shorthairs. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for British Shorthairs.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old British Shorthair
- $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.