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: January 30, 2026
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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 pet insurance costs an average of $67 per month, making them the 9th most expensive breed to insure.
Best Persian Pet Insurance Companies
*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.
Learn more about the best pet insurance options for your Persian across different situations:
Rainwalk
Best for Persians
MoneyGeek Rating
4.5/ 5
4.4/5Affordability
4.4/5Customer Experience
5/5Coverage Points
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 ranks first for Persian cat insurance in 45 states. Rainwalk comes in second with top rankings in 32 states, including Alabama, Alaska and Wyoming.
| Alabama | Rainwalk | 4.5 |
| Alabama | AKC | 4.5 |
| Alaska | Rainwalk | 4.5 |
| Alaska | AKC | 4.5 |
| Arizona | AKC | 4.5 |
| Arizona | Rainwalk | 4.5 |
| Arkansas | AKC | 4.55 |
| California | Rainwalk | 4.5 |
| California | AKC | 4.5 |
| Colorado | AKC | 4.5 |
| Colorado | Rainwalk | 4.5 |
| Connecticut | Rainwalk | 4.5 |
| Connecticut | AKC | 4.5 |
| Delaware | AKC | 4.5 |
| Delaware | Rainwalk | 4.5 |
| Florida | AKC | 4.55 |
| Georgia | Rainwalk | 4.5 |
| Georgia | AKC | 4.5 |
| Hawaii | Rainwalk | 4.5 |
| Hawaii | AKC | 4.5 |
| Idaho | Rainwalk | 4.5 |
| Idaho | AKC | 4.5 |
| Illinois | Rainwalk | 4.55 |
| Indiana | AKC | 4.55 |
| Iowa | AKC | 4.5 |
| Kansas | Rainwalk | 4.5 |
| Kansas | AKC | 4.5 |
| Kentucky | Rainwalk | 4.55 |
| Kentucky | AKC | 4.55 |
| Louisiana | AKC | 4.5 |
| Maine | Rainwalk | 4.5 |
| Maine | AKC | 4.5 |
| Maryland | Pets Best | 4.45 |
| Massachusetts | Rainwalk | 4.5 |
| Massachusetts | AKC | 4.5 |
| Michigan | Rainwalk | 4.55 |
| Minnesota | Rainwalk | 4.5 |
| Minnesota | AKC | 4.5 |
| Mississippi | AKC | 4.5 |
| Mississippi | Rainwalk | 4.5 |
| Missouri | Rainwalk | 4.5 |
| Missouri | AKC | 4.5 |
| Montana | Rainwalk | 4.5 |
| Montana | AKC | 4.5 |
| Nebraska | AKC | 4.5 |
| Nebraska | Rainwalk | 4.5 |
| Nevada | AKC | 4.5 |
| New Hampshire | AKC | 4.5 |
| New Hampshire | Rainwalk | 4.5 |
| New Jersey | AKC | 4.5 |
| New Mexico | AKC | 4.55 |
| New York | Rainwalk | 4.5 |
| New York | AKC | 4.5 |
| North Carolina | AKC | 4.5 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.5 |
| Ohio | Rainwalk | 4.5 |
| Oklahoma | AKC | 4.55 |
| Oregon | Rainwalk | 4.5 |
| Oregon | AKC | 4.5 |
| Pennsylvania | AKC | 4.5 |
| Rhode Island | AKC | 4.55 |
| South Carolina | AKC | 4.55 |
| South Dakota | AKC | 4.55 |
| Tennessee | Rainwalk | 4.5 |
| Tennessee | AKC | 4.5 |
| Texas | AKC | 4.5 |
| Texas | Rainwalk | 4.5 |
| Utah | Rainwalk | 4.5 |
| Vermont | AKC | 4.5 |
| Vermont | Rainwalk | 4.5 |
| Virginia | Rainwalk | 4.5 |
| Washington | AKC | 4.59 |
| West Virginia | AKC | 4.5 |
| 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/ 5
4.9/5Affordability
4/5Customer Experience
4/5Coverage Points
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 ranks as the cheapest insurance for Persian cats in all 50 states. Monthly premiums run from $12 to $24 based on where you live.
| 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 because of their unique health issues and care needs. Knowing what drives these higher premiums helps you find ways to lower your 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.
All Persian cats share common health traits, but your cat's health history and lifestyle determine what coverage you need. Choose your deductible, annual limit and reimbursement rate based on your pet's medical background and how much you can afford. Talk with your vet about your Persian's risk factors before picking a plan.
INSURANCE RISK PREVENTION
Keep your Persian healthy with daily care routines. Wipe their eyes every day with pet-safe wipes and groom them often to avoid skin problems. Buy from a breeder who tests for polycystic kidney disease and can show you health records for the parents. Keep your Persian inside and run a humidifier to help their breathing. See your vet for regular checkups and dental cleanings to catch problems early.
How to Get the Best Cheap Persian Pet Insurance
Use a clear comparison process to reduce Persian cat insurance costs and choose coverage that fits your needs.
- 1Evaluate Your Coverage Needs
Persian cats often deal with breed-related health concerns such as breathing and eye issues, which can affect how much pet insurance you need. Compare different coverage options to decide whether accident-only protection or a full accident and illness plan fits your budget and care priorities.
- 2Compare Insurance Providers
Review several pet insurance companies that insure Persian cats. Focus on providers with strong customer feedback, quick claim handling and pricing that reflects breed-specific health risks.
- 3Review Policy Details
Check illness waiting periods and pre-existing condition rules before enrolling. Many insurers apply a 14- to 30-day waiting period for illness coverage, which can affect timing. Confirm which Persian-related conditions qualify for reimbursement under each policy.
- 4Get Multiple Price Quotes
Collect quotes from at least three insurers using the same deductible, annual limit and reimbursement rate. Pricing can vary widely between companies. Look for available pet insurance discounts that help lower monthly costs.
- 5Review Coverage Annually
Set a reminder to review your policy before renewal. As your Persian cat ages, coverage needs and pricing can change, and new providers may offer better rates for similar benefits.
Persian Cat Insurance: Bottom Line
AKC ranks as the top pet insurance for Persians, while Pets Best costs the least. Both companies cover the health issues Persian cats often get. Compare quotes from several insurers to find coverage that fits your budget and your cat's needs. The right insurance means you can afford quality care when your Persian gets sick.
Read our full reviews of these Persian cat insurers:
Pet Insurance for Persian: FAQ
Our insurance experts answer common questions about Persian cat coverage to help you choose protection that fits your cat’s breed-specific needs.
What is the best pet insurance provider for Persians overall?
AKC offers the best insurance for Persian cats with complete coverage and strong customer service. You'll pay more than average, but the extensive benefits and breed-specific protection make it worth the cost for Persian owners.
Who offers the cheapest pet insurance for Persian?
Pets Best has the lowest rates for Persians at $19 per month for standard coverage. Your actual premium depends on where you live, your cat's age and what coverage you pick.
How much does Persian insurance cost?
Persian cats cost $67 per month on average, making them the 9th most expensive breed to insure. Monthly rates range from $45 to $86 depending on your state.
What are the most common accident and illness risks for Persian?
Persian cats often get polycystic kidney disease (an inherited condition that causes kidney failure), brachycephalic airway syndrome (breathing problems from their flat faces) and progressive retinal atrophy (gradual vision loss that leads to blindness). These health issues stem from the breed's flat facial structure and genetics.
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.