Rainwalk and AKC are the best pet insurance companies for Maine Coons due to their comprehensive coverage options and strong customer service ratings. Other top-rated providers are Pets Best and Lemonade.
Maine Coon Insurance
Updated: September 1, 2025
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Key Takeaways
Rainwalk and AKC are the best pet insurance companies for Maine Coons, offering strong coverage and service quality.
Lemonade offers the cheapest pet insurance rates for Maine Coons, with an average monthly rate of around $25 for standard protection.
Maine Coon insurance costs an average of $71 per month, making them the third most expensive cat breed to insure.
Best Maine Coon Pet Insurance Companies
| AKC | 4.45 | $42 | 3 | 1 |
| Rainwalk | 4.45 | $35 | 1 | 4 |
| Pets Best | 4.35 | $26 | 5 | 2 |
| Lemonade | 4.35 | $25 | 3 | 6 |
| Spot | 4.20 | $30 | 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.
Rainwalk
Best for Maine Coons
MoneyGeek Rating
4.5/ of 5
4.5/5Affordability
5/5Customer Experience
3.6/5Coverage Options
Average Monthly Rate
$35Overall Sentiment
71% positiveMaximum Annual Limit
$20,000Most Unique Coverage Inclusion or Add-on
Free virtual vet visits 24/7
Best Maine Coon Pet Insurance by State
Rainwalk leads pet insurance coverage for Maine Coons in most states nationwide. AKC ties for the top spot in several states, including Alaska and Arizona.
| Alabama | Rainwalk | 4.50 |
| Alaska | Rainwalk | 4.50 |
| Alaska | AKC | 4.50 |
| Arizona | Rainwalk | 4.45 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.50 |
| California | Rainwalk | 4.50 |
| California | AKC | 4.50 |
| Colorado | AKC | 4.50 |
| Connecticut | Rainwalk | 4.50 |
| Connecticut | AKC | 4.50 |
| Delaware | Rainwalk | 4.45 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.50 |
| Georgia | Rainwalk | 4.45 |
| Georgia | AKC | 4.45 |
| Hawaii | Rainwalk | 4.50 |
| Hawaii | AKC | 4.50 |
| Idaho | Rainwalk | 4.50 |
| Illinois | Rainwalk | 4.50 |
| Illinois | AKC | 4.50 |
| Indiana | AKC | 4.50 |
| Iowa | AKC | 4.45 |
| Kansas | Rainwalk | 4.50 |
| Kentucky | Rainwalk | 4.50 |
| Kentucky | AKC | 4.50 |
| Louisiana | AKC | 4.45 |
| Louisiana | Rainwalk | 4.45 |
| Maine | Rainwalk | 4.50 |
| Maryland | AKC | 4.40 |
| Massachusetts | Rainwalk | 4.50 |
| Michigan | Rainwalk | 4.50 |
| Minnesota | Rainwalk | 4.50 |
| Mississippi | AKC | 4.50 |
| Missouri | Rainwalk | 4.50 |
| Montana | Rainwalk | 4.50 |
| Montana | AKC | 4.50 |
| Nebraska | AKC | 4.45 |
| Nebraska | Rainwalk | 4.45 |
| Nevada | AKC | 4.45 |
| New Hampshire | AKC | 4.45 |
| New Hampshire | Rainwalk | 4.45 |
| New Jersey | AKC | 4.45 |
| New Jersey | Rainwalk | 4.45 |
| New Mexico | AKC | 4.55 |
| New York | Rainwalk | 4.50 |
| North Carolina | AKC | 4.45 |
| North Carolina | Rainwalk | 4.45 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.45 |
| Ohio | Rainwalk | 4.45 |
| Oklahoma | AKC | 4.55 |
| Oregon | Rainwalk | 4.50 |
| Oregon | AKC | 4.50 |
| Pennsylvania | AKC | 4.50 |
| Rhode Island | AKC | 4.50 |
| Rhode Island | Rainwalk | 4.50 |
| South Carolina | AKC | 4.55 |
| South Dakota | AKC | 4.50 |
| Tennessee | Rainwalk | 4.50 |
| Tennessee | AKC | 4.50 |
| Texas | Rainwalk | 4.50 |
| Texas | AKC | 4.50 |
| Utah | Rainwalk | 4.50 |
| Vermont | AKC | 4.50 |
| Virginia | Rainwalk | 4.50 |
| Washington | AKC | 4.55 |
| Washington | Rainwalk | 4.55 |
| West Virginia | AKC | 4.50 |
| Wisconsin | Rainwalk | 4.45 |
| Wyoming | Rainwalk | 4.50 |
| Wyoming | AKC | 4.50 |
*Rates are based on a 6-year-old Maine Coon 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 Maine Coon Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Maine Coons at $25 per month or $297 annually. Other budget-friendly options include Pets Best, Figo, Hartville and Spot.
| Lemonade | $25 | $297 | 55% |
| Pets Best | $26 | $312 | 52% |
| Figo | $29 | $347 | 47% |
| Hartville | $29 | $350 | 47% |
| Pumpkin | $30 | $354 | 46% |
*Rates are based on a 6-year-old Maine Coon 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 Maine Coons
MoneyGeek Rating
4.3/ of 5
4.8/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$25Overall Customer Sentiment
72% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Maine Coon Pet Insurance by State
Lemonade offers the most budget-friendly Maine Coon insurance across the U.S., with the lowest rates in 48 states. Monthly premiums range from $17 to $32, depending on your location.
| Alabama | Lemonade | $18 | 57% |
| Alaska | Lemonade | $24 | 55% |
| Arizona | Lemonade | $30 | 53% |
| Arkansas | Lemonade | $17 | 57% |
| California | Lemonade | $31 | 52% |
| Colorado | Lemonade | $31 | 54% |
| Connecticut | Lemonade | $28 | 54% |
| Delaware | Lemonade | $25 | 55% |
| Florida | Lemonade | $28 | 54% |
| Georgia | Lemonade | $22 | 54% |
| Hawaii | Lemonade | $25 | 56% |
| Idaho | Lemonade | $25 | 54% |
| Illinois | Lemonade | $31 | 53% |
| Indiana | Lemonade | $22 | 54% |
| Iowa | Lemonade | $21 | 56% |
| Kansas | Lemonade | $22 | 55% |
| Kentucky | Lemonade | $20 | 57% |
| Louisiana | Lemonade | $20 | 56% |
| Maine | Lemonade | $30 | 55% |
| Maryland | Lemonade | $24 | 58% |
| Massachusetts | Lemonade | $32 | 54% |
| Michigan | Lemonade | $25 | 55% |
| Minnesota | Lemonade | $26 | 54% |
| Mississippi | Lemonade | $21 | 56% |
| Missouri | Lemonade | $20 | 56% |
| Montana | Lemonade | $21 | 55% |
| Nebraska | Figo | $22 | 56% |
| Nevada | Lemonade | $26 | 54% |
| New Hampshire | Lemonade | $29 | 54% |
| New Jersey | Lemonade | $28 | 54% |
| New Mexico | Lemonade | $22 | 55% |
| New York | Lemonade | $27 | 54% |
| North Carolina | Lemonade | $22 | 56% |
| North Dakota | Lemonade | $19 | 55% |
| Ohio | Lemonade | $23 | 56% |
| Oklahoma | Lemonade | $21 | 55% |
| Oregon | Lemonade | $31 | 54% |
| Pennsylvania | Lemonade | $26 | 55% |
| Rhode Island | Lemonade | $22 | 55% |
| South Carolina | Lemonade | $23 | 56% |
| South Dakota | Lemonade | $22 | 56% |
| Tennessee | Lemonade | $23 | 54% |
| Texas | Lemonade | $26 | 53% |
| Utah | Lemonade | $24 | 55% |
| Vermont | Lemonade | $23 | 55% |
| Virginia | Lemonade | $26 | 56% |
| Washington | Lemonade | $28 | 56% |
| West Virginia | Lemonade | $21 | 55% |
| Wisconsin | Lemonade | $27 | 56% |
| Wyoming | Figo | $23 | 55% |
*Rates are based on a 6-year-old Maine Coon 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 Maine Coon Insurance Cost?
Monthly pet insurance for Maine Coons ranges from $48 to $92 depending on your state, ranking as the third most expensive breed to insure nationwide. Your actual premium will vary based on coverage choices and your pet's specific needs.
| Alabama | $54 | $645 | -25% |
| Alaska | $70 | $840 | -2% |
| Arizona | $85 | $1,014 | 18% |
| Arkansas | $48 | $580 | -32% |
| California | $89 | $1,071 | 25% |
| Colorado | $89 | $1,065 | 24% |
| Connecticut | $81 | $969 | 13% |
| Delaware | $72 | $864 | 1% |
| Florida | $81 | $968 | 13% |
| Georgia | $67 | $801 | -7% |
| Hawaii | $73 | $882 | 3% |
| Idaho | $70 | $843 | -2% |
| Illinois | $87 | $1,047 | 22% |
| Indiana | $65 | $779 | -9% |
| Iowa | $61 | $729 | -15% |
| Kansas | $64 | $771 | -10% |
| Kentucky | $58 | $700 | -18% |
| Louisiana | $57 | $687 | -20% |
| Maine | $88 | $1,053 | 23% |
| Maryland | $80 | $958 | 12% |
| Massachusetts | $92 | $1,103 | 29% |
| Michigan | $71 | $855 | -0% |
| Minnesota | $73 | $878 | 3% |
| Mississippi | $61 | $728 | -15% |
| Missouri | $56 | $673 | -21% |
| Montana | $60 | $715 | -17% |
| Nebraska | $63 | $762 | -11% |
| Nevada | $72 | $869 | 1% |
| New Hampshire | $81 | $976 | 14% |
| New Jersey | $83 | $1,002 | 17% |
| New Mexico | $63 | $752 | -12% |
| New York | $79 | $946 | 10% |
| North Carolina | $65 | $776 | -9% |
| North Dakota | $55 | $654 | -24% |
| Ohio | $67 | $798 | -7% |
| Oklahoma | $60 | $712 | -17% |
| Oregon | $88 | $1,057 | 23% |
| Pennsylvania | $75 | $899 | 5% |
| Rhode Island | $62 | $745 | -13% |
| South Carolina | $69 | $821 | -4% |
| South Dakota | $64 | $762 | -11% |
| Tennessee | $67 | $797 | -7% |
| Texas | $74 | $886 | 3% |
| Utah | $69 | $822 | -4% |
| Vermont | $66 | $790 | -8% |
| Virginia | $78 | $930 | 9% |
| Washington | $82 | $980 | 14% |
| West Virginia | $60 | $719 | -16% |
| Wisconsin | $77 | $921 | 8% |
| Wyoming | $65 | $778 | -9% |
*The rates include all coverage selections on the market for a 6-year-old Maine Coon. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Maine Coon Insurance Costs?
Maine Coons face higher pet insurance costs due to breed-specific health factors, but understanding these pricing elements helps owners find more affordable coverage options.
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Maine Coons face several breed-specific health challenges that insurers consider high-risk conditions. Hypertrophic cardiomyopathy, a serious heart condition, often requires costly surgical intervention. These cats are also prone to hip dysplasia, spinal muscular atrophy, and polycystic kidney disease. Their genetic predisposition to these conditions significantly impacts long-term healthcare costs, making it crucial to understand your insurance coverage options.
Size-Related Factors
Potential Vet Cost Increase: 30% to 50% higher vet costs
As one of the largest domestic cat breeds, Maine Coons require specialized veterinary care that impacts treatment costs. Their substantial size means they need larger doses of medication and anesthesia during procedures. Medical equipment and surgical supplies must be scaled up to accommodate their frame. Recovery periods often extend longer than average, potentially requiring special accommodations and additional monitoring.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $400 (Young) to $800 to $1,500 (Senior)
Maine Coons typically live 12 to 15 years, which is average for domestic cats. However, their size and genetic predispositions can lead to earlier onset of age-related conditions. Senior cats often require more frequent veterinary visits and complex treatments for arthritis, dental disease, and organ function issues, resulting in substantially higher medical expenses during their later years.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $3,000
Maine Coons are naturally athletic and adventurous cats with strong climbing instincts. Their active nature and large size increase their risk of injuries from falls, sprains, and joint stress. While generally gentle, their hunting instincts and territorial behavior can lead to confrontations with other animals, potentially resulting in injury-related veterinary visits.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $8,000
Increased demand for Maine Coons has led to concerning breeding practices that amplify genetic health risks. Insurance providers now scrutinize this breed more carefully, sometimes limiting coverage for hereditary conditions. Selecting a cat from health-tested parents with proper breeding documentation can significantly reduce your risk of facing denied claims and unexpected veterinary expenses.
While Maine Coons share certain health traits, your cat's needs are unique. Consider both your budget and your pet's specific health profile when choosing coverage. Consult your vet about individual risk factors.
INSURANCE RISK PREVENTION
Protect your Maine Coon's health through early genetic screening and regular cardiac checkups. Choose breeders who test for hypertrophic cardiomyopathy and spinal muscular atrophy. Keep your cat at a healthy weight with measured portions and daily play sessions. Regular vet visits, dental care and grooming help catch potential issues early, reducing long-term medical costs.
How to Get the Best Cheap Maine Coon Pet Insurance
Smart shopping can lower Maine Coon insurance costs, and these steps show you how.
- 1
Evaluate Your Coverage Needs
Maine Coons can face unique health challenges that make insurance valuable. Review your cat's age and health history, then explore pet insurance coverage options that match your budget and needs.
- 2
Compare Insurance Providers
Research multiple insurance companies that offer coverage in your area. Look at customer reviews, claim processing times, and coverage limits to find reliable providers.
- 3
Review Policy Details
Carefully examine waiting periods and coverage exclusions before committing. Request sample policies from your top choices to understand exactly what's covered and what isn't.
- 4
Get Multiple Price Quotes
Visit several insurance websites to get quick online quotes. Prices can vary significantly between providers, even for identical coverage levels.
- 5
Check Rates Annually
Mark your calendar to review your policy each year before renewal. Your cat's needs and insurance rates change over time, so comparing new quotes annually helps maintain affordable coverage.
Maine Cat Insurance: Bottom Line
Rainwalk is the best pet insurance provider for Maine Coons, while Lemonade 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 brings peace of mind and ensures quality care when health issues arise.
Pet Insurance for Maine Coon: FAQ
Below are our expert answers to frequently asked questions about Maine Coon insurance:
What is the best pet insurance provider for Maine Coons overall?
Rainwalk and AKC lead pet insurance for Maine Coons, offering comprehensive coverage and top-rated customer service. Though premiums may exceed average rates, their extensive benefits and reliable claims process make it a valuable choice.
Who offers the cheapest pet insurance for Maine Coons?
Lemonade provides the most affordable pet insurance for Maine Coons, with monthly premiums starting at $25 for standard coverage. Remember that actual rates will vary based on your location, pet's age, and specific coverage needs.
How much does Maine Coon insurance cost?
Maine Coons rank as the 3rd most expensive breed to insure, with average premiums of $71 per month. Monthly insurance rates across states range from $48 to $92, depending on location.
What are the most common accident and illness risks for Maine Coons?
Maine Coons commonly face hypertrophic cardiomyopathy (a heart condition causing thickened heart walls), hip dysplasia (joint malformation causing mobility issues) and spinal muscular atrophy (a genetic disorder affecting muscle strength and coordination). These health risks are primarily linked to the breed's large size and genetic predisposition.
How We Found the Best and Cheapest Maine Coon Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Maine Coons. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Maine Coons.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Maine Coon
- $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.