Rainwalk is the best pet insurance company for Persians due to its exceptional customer service and comprehensive coverage options. Other top-rated options include AKC, Pets Best and Lemonade, all of which offer quality coverage for Persian cats.
Persian Insurance
Updated: August 28, 2025
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Key Takeaways
Rainwalk is the best pet insurance company for Persians, offering superior coverage and service quality.
Pets Best provides the cheapest pet insurance rates for Persians, with average rates of around $19 monthly for standard protection.
Persian cat insurance costs an average of $67 per month, making them the 9th most expensive breed to insure.
Best Persian Pet Insurance Companies
| Rainwalk | 4.50 | $33 | 1 | 4 |
| AKC | 4.50 | $40 | 3 | 1 |
| Pets Best | 4.45 | $19 | 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.
Rainwalk
Best for Persians
MoneyGeek Rating
4.5/ of 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$33Overall Sentiment
71% positiveMaximum Annual Limit
$20,000Most Unique Coverage Inclusion or Add-on
Breed-specific hereditary condition coverage
Best Persian Pet Insurance by State
AKC leads Persian cat insurance in 45 states nationwide. Rainwalk holds the second position, ranking best in 32 states, including Alabama, Alaska and Wyoming.
| Alabama | Rainwalk | 4.50 |
| Alabama | AKC | 4.50 |
| Alaska | Rainwalk | 4.50 |
| Alaska | AKC | 4.50 |
| Arizona | AKC | 4.50 |
| Arizona | Rainwalk | 4.50 |
| Arkansas | AKC | 4.55 |
| California | Rainwalk | 4.50 |
| California | AKC | 4.50 |
| Colorado | AKC | 4.50 |
| Colorado | Rainwalk | 4.50 |
| Connecticut | Rainwalk | 4.50 |
| Connecticut | AKC | 4.50 |
| Delaware | AKC | 4.50 |
| Delaware | Rainwalk | 4.50 |
| Florida | AKC | 4.55 |
| Georgia | Rainwalk | 4.50 |
| Georgia | AKC | 4.50 |
| Hawaii | Rainwalk | 4.50 |
| Hawaii | AKC | 4.50 |
| Idaho | Rainwalk | 4.50 |
| Idaho | AKC | 4.50 |
| Illinois | Rainwalk | 4.55 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.50 |
| Kansas | Rainwalk | 4.50 |
| Kansas | AKC | 4.50 |
| Kentucky | Rainwalk | 4.55 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.50 |
| Maine | Rainwalk | 4.50 |
| Maine | AKC | 4.50 |
| 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 | 4.50 |
| Mississippi | Rainwalk | 4.50 |
| Missouri | Rainwalk | 4.50 |
| Missouri | AKC | 4.50 |
| Montana | Rainwalk | 4.50 |
| Montana | AKC | 4.50 |
| 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 | 4.55 |
| Ohio | AKC | 4.50 |
| Ohio | Rainwalk | 4.50 |
| Oklahoma | AKC | 4.55 |
| Oregon | Rainwalk | 4.50 |
| Oregon | AKC | 4.50 |
| Pennsylvania | AKC | 4.50 |
| Rhode Island | AKC | 4.55 |
| South Carolina | AKC | 4.55 |
| South Dakota | AKC | 4.55 |
| Tennessee | Rainwalk | 4.50 |
| Tennessee | AKC | 4.50 |
| Texas | AKC | 4.50 |
| Texas | Rainwalk | 4.50 |
| Utah | Rainwalk | 4.50 |
| Vermont | AKC | 4.50 |
| Vermont | Rainwalk | 4.50 |
| Virginia | Rainwalk | 4.50 |
| Washington | AKC | 4.60 |
| West Virginia | AKC | 4.50 |
| Wisconsin | Rainwalk | 4.45 |
| Wisconsin | AKC | 4.45 |
| Wisconsin | Pets Best | 4.45 |
| Wyoming | AKC | 4.55 |
| Wyoming | Rainwalk | 4.55 |
*Rates are based on a 6-year-old Persian 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 Persian Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Persians at $19 per month or $220 per year. Other budget-friendly options include Lemonade, Figo, Hartville and Spot.
| Pets Best | $19 | $220 | 67% |
| Lemonade | $22 | $262 | 60% |
| Figo | $26 | $315 | 52% |
| Hartville | $28 | $331 | 50% |
| Spot | $28 | $338 | 48% |
*Rates are based on a 6-year-old Persian 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 Persians
MoneyGeek Rating
4.5/ of 5
4.9/5Affordability
4/5Customer Experience
4/5Coverage Options
Average Monthly Rate
$19Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Direct vet payment option
Cheapest Persian Pet Insurance by State
Pets Best offers the most affordable insurance for Persian cats nationwide, ranking cheapest in 50 states. Monthly premiums range from $12 to $24, depending on your location.
| Alabama | Pets Best | $14 | 68% |
| Alaska | Pets Best | $18 | 67% |
| Arizona | Pets Best | $23 | 65% |
| Arkansas | Pets Best | $12 | 68% |
| California | Pets Best | $23 | 64% |
| Colorado | Pets Best | $23 | 66% |
| Connecticut | Pets Best | $21 | 66% |
| Delaware | Pets Best | $19 | 67% |
| Florida | Pets Best | $21 | 66% |
| Georgia | Pets Best | $17 | 66% |
| Hawaii | Pets Best | $19 | 67% |
| Idaho | Pets Best | $19 | 66% |
| Illinois | Pets Best | $23 | 65% |
| Indiana | Pets Best | $17 | 66% |
| Iowa | Pets Best | $16 | 67% |
| Kansas | Pets Best | $17 | 67% |
| Kentucky | Pets Best | $15 | 68% |
| Louisiana | Pets Best | $15 | 67% |
| Maine | Pets Best | $23 | 66% |
| Maryland | Pets Best | $18 | 69% |
| Massachusetts | Pets Best | $24 | 66% |
| Michigan | Pets Best | $19 | 67% |
| Minnesota | Pets Best | $19 | 66% |
| Mississippi | Pets Best | $16 | 67% |
| Missouri | Pets Best | $15 | 67% |
| Montana | Pets Best | $16 | 67% |
| Nebraska | Pets Best | $17 | 67% |
| Nevada | Pets Best | $19 | 66% |
| New Hampshire | Pets Best | $22 | 66% |
| New Jersey | Pets Best | $21 | 66% |
| New Mexico | Pets Best | $16 | 67% |
| New York | Pets Best | $20 | 66% |
| North Carolina | Pets Best | $17 | 68% |
| North Dakota | Pets Best | $14 | 67% |
| Ohio | Pets Best | $17 | 67% |
| Oklahoma | Pets Best | $16 | 67% |
| Oregon | Pets Best | $23 | 66% |
| Pennsylvania | Pets Best | $19 | 67% |
| Rhode Island | Pets Best | $16 | 67% |
| South Carolina | Pets Best | $18 | 66% |
| South Dakota | Pets Best | $16 | 68% |
| Tennessee | Pets Best | $17 | 66% |
| Texas | Pets Best | $20 | 66% |
| Utah | Pets Best | $18 | 67% |
| Vermont | Pets Best | $17 | 67% |
| Virginia | Pets Best | $20 | 67% |
| Washington | Pets Best | $21 | 68% |
| West Virginia | Pets Best | $16 | 66% |
| Wisconsin | Pets Best | $20 | 67% |
| Wyoming | Pets Best | $17 | 66% |
*Rates are based on a 6-year-old Persian 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 Persian Insurance Cost?
Monthly insurance premiums for Persian cats range from $45 to $86 across the U.S., ranking as the 9th most expensive pet breed to insure. Your actual cost will depend on your location, coverage choices and pet's specific needs.
| Alabama | $50 | $601 | -25% |
| Alaska | $65 | $781 | -2% |
| Arizona | $79 | $944 | 18% |
| Arkansas | $45 | $540 | -32% |
| California | $83 | $996 | 25% |
| Colorado | $83 | $991 | 24% |
| Connecticut | $75 | $901 | 13% |
| Delaware | $67 | $804 | 1% |
| Florida | $75 | $900 | 13% |
| Georgia | $62 | $745 | -7% |
| Hawaii | $68 | $821 | 3% |
| Idaho | $65 | $785 | -2% |
| Illinois | $81 | $975 | 22% |
| Indiana | $60 | $725 | -9% |
| Iowa | $57 | $678 | -15% |
| Kansas | $60 | $717 | -10% |
| Kentucky | $54 | $652 | -18% |
| Louisiana | $54 | $640 | -20% |
| Maine | $82 | $980 | 23% |
| Maryland | $75 | $891 | 12% |
| Massachusetts | $86 | $1,027 | 29% |
| Michigan | $66 | $796 | -0% |
| Minnesota | $68 | $817 | 3% |
| Mississippi | $57 | $677 | -15% |
| Missouri | $52 | $626 | -21% |
| Montana | $55 | $665 | -17% |
| Nebraska | $59 | $709 | -11% |
| Nevada | $67 | $809 | 1% |
| New Hampshire | $76 | $908 | 14% |
| New Jersey | $78 | $932 | 17% |
| New Mexico | $58 | $699 | -12% |
| New York | $73 | $880 | 10% |
| North Carolina | $60 | $722 | -9% |
| North Dakota | $51 | $609 | -24% |
| Ohio | $62 | $742 | -7% |
| Oklahoma | $56 | $663 | -17% |
| Oregon | $82 | $983 | 23% |
| Pennsylvania | $70 | $836 | 5% |
| Rhode Island | $58 | $694 | -13% |
| South Carolina | $64 | $764 | -4% |
| South Dakota | $59 | $709 | -11% |
| Tennessee | $62 | $742 | -7% |
| Texas | $69 | $825 | 3% |
| Utah | $64 | $765 | -4% |
| Vermont | $61 | $735 | -8% |
| Virginia | $72 | $866 | 9% |
| Washington | $76 | $912 | 14% |
| West Virginia | $56 | $669 | -16% |
| Wisconsin | $72 | $857 | 8% |
| Wyoming | $60 | $724 | -9% |
*The rates include all coverage selections on the market for a 6-year-old Persian. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Persian Insurance Costs?
Persian cats cost more to insure than many other breeds due to their unique health challenges and care requirements. Understanding these breed-specific factors helps explain the higher premiums and reveals ways to manage insurance costs.
Health Predispositions
Potential Vet Costs: $1,200 to $8,500
Persian cats face several breed-specific health challenges that insurers consider high-risk conditions. Polycystic kidney disease often requires ongoing treatment and monitoring. They also commonly experience respiratory issues due to their flat faces, eye problems like cherry eye, and dental disease. These hereditary conditions can lead to significant veterinary expenses throughout their lives.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
Persians are medium-sized cats with specific care requirements due to their unique build. Their compact body structure means they need carefully calculated medication doses and specialized dental care. Their thick coat requires regular professional grooming, and their facial structure often necessitates specialized equipment for respiratory treatments.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $400 (Young) to $600 to $1,200 (Senior)
Persians generally live 12 to 16 years, which is average for indoor cats. As they age, they become more susceptible to kidney disease, heart problems, and dental issues. Senior Persians typically require more frequent veterinary visits and ongoing management of age-related conditions, leading to increased medical expenses in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $3,000
Persians are generally calm, indoor-oriented cats with moderate activity levels. While this reduces their risk of traumatic injuries, their sedentary nature can lead to obesity-related health issues. Their flat faces make them prone to heat stress during exercise, and their long coat can hide minor injuries or skin conditions until they become serious medical concerns.
Breeding-Related Issues
Potential Vet Costs: $1,500 to $7,000
Irresponsible breeding practices have intensified health challenges in Persian cats, particularly respiratory and kidney problems. Insurance providers often consider these inherited conditions when determining coverage terms. Selecting a Persian from a reputable breeder who conducts genetic health screenings can significantly reduce future medical expenses and insurance claim complications.
While Persian cats share common health traits, your cat's unique health history and lifestyle shape insurance needs. Base your coverage decisions on your pet's specific medical background and your budget comfort level. A conversation with your veterinarian about your Persian's individual risk factors can help guide your choice.
INSURANCE RISK PREVENTION
Protect your Persian's health by establishing daily preventive care routines. Clean their eyes daily with pet-safe wipes and maintain regular grooming to prevent skin problems. Choose a reputable breeder who tests for polycystic kidney disease and provides health certifications for breeding cats. Keep your Persian indoors and use a humidifier to support their respiratory health. Schedule regular vet checkups, including dental cleanings, to catch potential issues early.
How to Get the Best Cheap Persian Pet Insurance
Smart comparison shopping and these proven strategies can lower your Persian cat's insurance costs.
- 1
Evaluate Your Coverage Needs
Persians face unique health challenges like respiratory issues and eye problems that can lead to expensive vet bills. Review pet insurance coverage options to determine if accident-only or comprehensive coverage better suits your needs and budget.
- 2
Compare Insurance Providers
Research multiple pet insurance companies that cover Persian cats. Look for providers with positive customer reviews, clear policy terms and competitive rates for breed-specific coverage.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Many providers have 14-30 day waiting periods for illness coverage, so understand these timeframes when planning your purchase.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Rates can vary significantly between companies, even for the same coverage level.
- 5
Review Coverage Annually
Mark your calendar to check rates and coverage each year before renewal. Your Persian's health needs may change, and new providers might offer better rates for similar coverage.
Persian Cat Insurance: Bottom Line
AKC ranks as the best-rated pet insurance provider for Persians, while Pets Best offers the most affordable coverage. Both companies provide strong coverage options for Persian cats' unique health needs. Compare these insurers, along with other providers, to find the right balance of coverage and cost for your pet. Having the right insurance helps ensure your Persian gets quality care when health issues arise.
Pet Insurance for Persian: FAQ
Our insurance experts answer the most common questions about Persian cat coverage to help you protect your distinctive breed's specific needs.
What is the best pet insurance provider for Persians overall?
AKC offers the best insurance for Persian cats, featuring comprehensive coverage and exceptional customer service. Despite higher-than-average premiums, their extensive benefits and specialized protection make them a valuable choice for Persian owners.
Who offers the cheapest pet insurance for Persian?
Pets Best provides the most affordable pet insurance for Persians at $19 per month for standard coverage. Remember that actual premiums will vary depending on your location, pet's age, and specific coverage needs.
How much does Persian insurance cost?
With a monthly premium of $67, Persian cats rank as the 9th most expensive breed to insure. Monthly rates across different states can vary significantly, ranging from $45 to $86.
What are the most common accident and illness risks for Persian?
Persian cats commonly face polycystic kidney disease (inherited condition causing kidney failure), brachycephalic airway syndrome (breathing difficulties due to flat faces), and progressive retinal atrophy (gradual vision loss leading to blindness). These health risks are primarily linked to the breed's distinctive facial structure and genetic predisposition.
How We Found the Best and Cheapest Persian Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Persians. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Persians.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Persian
- $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.