AKC leads pet insurance providers for Ragdolls, earning MoneyGeek's highest score for comprehensive coverage options and strong customer service. Rainwalk, Lemonade and Pets Best also score well for affordability and coverage flexibility.
Ragdoll Insurance
Updated: August 28, 2025
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Key Takeaways
AKC is the best pet insurance company for Ragdolls, providing superior coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Ragdolls, with an average monthly rate of around $17 for standard protection.
Pet insurance for Ragdolls costs an average of $56 per month, making them the 25th most expensive breed to insure.
Best Ragdoll Pet Insurance Companies
| AKC | 4.60 | $34 | 3 | 1 |
| Rainwalk | 4.55 | $27 | 1 | 4 |
| Lemonade | 4.40 | $20 | 3 | 6 |
| Pets Best | 4.40 | $24 | 5 | 2 |
| Spot | 4.30 | $22 | 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 Ragdolls
MoneyGeek Rating
4.6/ of 5
4.5/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$34Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Ragdoll Pet Insurance by State
AKC leads Ragdoll insurance coverage in 41 states. Rainwalk ranks second-highest, ranking first in 29 states, including Alabama, Alaska and Arizona.
| Alabama | Rainwalk | 4.55 |
| Alabama | AKC | 4.55 |
| Alaska | AKC | 4.60 |
| Alaska | Rainwalk | 4.60 |
| Arizona | AKC | 4.55 |
| Arizona | Rainwalk | 4.55 |
| Arkansas | AKC | 4.60 |
| California | AKC | 4.60 |
| California | Rainwalk | 4.60 |
| Colorado | AKC | 4.60 |
| Connecticut | AKC | 4.60 |
| Connecticut | Rainwalk | 4.60 |
| Delaware | AKC | 4.55 |
| Delaware | Rainwalk | 4.55 |
| Florida | AKC | 4.60 |
| Georgia | Rainwalk | 4.55 |
| Georgia | AKC | 4.55 |
| Hawaii | AKC | 4.60 |
| Hawaii | Rainwalk | 4.60 |
| Idaho | Rainwalk | 4.60 |
| Illinois | Rainwalk | 4.60 |
| Illinois | AKC | 4.60 |
| Indiana | AKC | 4.60 |
| Iowa | AKC | 4.55 |
| Kansas | Rainwalk | 4.60 |
| Kentucky | AKC | 4.60 |
| Kentucky | Rainwalk | 4.60 |
| Louisiana | AKC | 4.55 |
| Louisiana | Rainwalk | 4.55 |
| Maine | Rainwalk | 4.60 |
| Maryland | AKC | 4.50 |
| Massachusetts | Rainwalk | 4.60 |
| Michigan | Rainwalk | 4.60 |
| Minnesota | Rainwalk | 4.60 |
| Mississippi | AKC | 4.60 |
| Missouri | AKC | 4.60 |
| Montana | AKC | 4.60 |
| Montana | Rainwalk | 4.60 |
| Nebraska | AKC | 4.55 |
| Nebraska | Rainwalk | 4.55 |
| Nevada | AKC | 4.60 |
| New Hampshire | AKC | 4.60 |
| New Jersey | AKC | 4.55 |
| New Jersey | Rainwalk | 4.55 |
| New Mexico | AKC | 4.60 |
| New York | Rainwalk | 4.60 |
| North Carolina | AKC | 4.55 |
| North Carolina | Rainwalk | 4.55 |
| North Dakota | AKC | 4.65 |
| Ohio | AKC | 4.60 |
| Oklahoma | AKC | 4.65 |
| Oregon | AKC | 4.60 |
| Oregon | Rainwalk | 4.60 |
| Pennsylvania | AKC | 4.60 |
| Rhode Island | AKC | 4.60 |
| Rhode Island | Rainwalk | 4.60 |
| South Carolina | AKC | 4.60 |
| South Dakota | AKC | 4.60 |
| Tennessee | AKC | 4.60 |
| Tennessee | Rainwalk | 4.60 |
| Texas | AKC | 4.60 |
| Utah | Rainwalk | 4.60 |
| Vermont | AKC | 4.60 |
| Virginia | Rainwalk | 4.60 |
| Washington | AKC | 4.65 |
| West Virginia | AKC | 4.60 |
| Wisconsin | Rainwalk | 4.55 |
| Wisconsin | AKC | 4.55 |
| Wyoming | AKC | 4.60 |
| Wyoming | Rainwalk | 4.60 |
*Rates are based on a 6-year-old Ragdoll 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 Ragdoll Pet Insurance Companies
Pumpkin offers the lowest-priced pet insurance for Ragdolls at $17 per month or $207 per year. Other affordable providers include Lemonade, Hartville, Spot and Figo.
| Pumpkin | $17 | $207 | 68% |
| Lemonade | $20 | $241 | 63% |
| Hartville | $21 | $254 | 61% |
| Spot | $22 | $260 | 60% |
| Figo | $22 | $262 | 60% |
*Rates are based on a 6-year-old Ragdoll 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 Ragdolls
MoneyGeek Rating
4.1/ of 5
4.9/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$17Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
PawSupport 24/7 vet hotline access
Cheapest Ragdoll Pet Insurance by State
Pumpkin offers the most affordable Ragdoll cat insurance nationwide, ranking cheapest in 50 states. Monthly premiums range from $12 to $22, depending on location.
| Alabama | Pumpkin | $13 | 70% |
| Alaska | Pumpkin | $17 | 69% |
| Arizona | Pumpkin | $21 | 67% |
| Arkansas | Pumpkin | $12 | 70% |
| California | Pumpkin | $22 | 66% |
| Colorado | Pumpkin | $22 | 68% |
| Connecticut | Pumpkin | $20 | 68% |
| Delaware | Pumpkin | $17 | 69% |
| Florida | Pumpkin | $20 | 68% |
| Georgia | Pumpkin | $16 | 68% |
| Hawaii | Pumpkin | $17 | 69% |
| Idaho | Pumpkin | $17 | 68% |
| Illinois | Pumpkin | $21 | 67% |
| Indiana | Pumpkin | $16 | 68% |
| Iowa | Pumpkin | $14 | 69% |
| Kansas | Pumpkin | $16 | 69% |
| Kentucky | Pumpkin | $14 | 70% |
| Louisiana | Pumpkin | $14 | 69% |
| Maine | Pumpkin | $21 | 68% |
| Maryland | Pumpkin | $17 | 71% |
| Massachusetts | Pumpkin | $22 | 68% |
| Michigan | Pumpkin | $17 | 68% |
| Minnesota | Pumpkin | $18 | 68% |
| Mississippi | Pumpkin | $15 | 69% |
| Missouri | Pumpkin | $14 | 69% |
| Montana | Pumpkin | $14 | 69% |
| Nebraska | Pumpkin | $16 | 69% |
| Nevada | Pumpkin | $18 | 68% |
| New Hampshire | Pumpkin | $20 | 68% |
| New Jersey | Pumpkin | $19 | 68% |
| New Mexico | Pumpkin | $15 | 69% |
| New York | Pumpkin | $19 | 68% |
| North Carolina | Pumpkin | $15 | 69% |
| North Dakota | Pumpkin | $13 | 69% |
| Ohio | Pumpkin | $16 | 69% |
| Oklahoma | Pumpkin | $14 | 69% |
| Oregon | Pumpkin | $21 | 68% |
| Pennsylvania | Pumpkin | $18 | 69% |
| Rhode Island | Pumpkin | $15 | 69% |
| South Carolina | Pumpkin | $16 | 68% |
| South Dakota | Pumpkin | $15 | 69% |
| Tennessee | Pumpkin | $16 | 68% |
| Texas | Pumpkin | $18 | 68% |
| Utah | Pumpkin | $16 | 69% |
| Vermont | Pumpkin | $16 | 69% |
| Virginia | Pumpkin | $18 | 69% |
| Washington | Pumpkin | $20 | 69% |
| West Virginia | Pumpkin | $15 | 68% |
| Wisconsin | Pumpkin | $18 | 69% |
| Wyoming | Pumpkin | $16 | 68% |
*Rates are based on a 6-year-old Ragdoll 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 Ragdoll Insurance Cost?
Monthly insurance premiums for Ragdolls range from $38 to $72 across the U.S., ranking as the 25th most expensive pet breed to insure. Your actual cost will vary based on your location, coverage choices and pet's specific needs.
| Alabama | $42 | $505 | -25% |
| Alaska | $55 | $660 | -2% |
| Arizona | $66 | $797 | 19% |
| Arkansas | $38 | $455 | -32% |
| California | $70 | $841 | 25% |
| Colorado | $70 | $836 | 24% |
| Connecticut | $64 | $763 | 13% |
| Delaware | $57 | $679 | 1% |
| Florida | $63 | $759 | 13% |
| Georgia | $52 | $626 | -7% |
| Hawaii | $58 | $691 | 3% |
| Idaho | $55 | $662 | -1% |
| Illinois | $69 | $822 | 22% |
| Indiana | $51 | $610 | -9% |
| Iowa | $48 | $571 | -15% |
| Kansas | $51 | $605 | -10% |
| Kentucky | $46 | $548 | -18% |
| Louisiana | $45 | $539 | -20% |
| Maine | $69 | $827 | 23% |
| Maryland | $62 | $744 | 11% |
| Massachusetts | $72 | $865 | 29% |
| Michigan | $56 | $671 | -0% |
| Minnesota | $58 | $690 | 3% |
| Mississippi | $48 | $572 | -15% |
| Missouri | $44 | $528 | -21% |
| Montana | $47 | $562 | -16% |
| Nebraska | $50 | $598 | -11% |
| Nevada | $57 | $682 | 2% |
| New Hampshire | $64 | $769 | 14% |
| New Jersey | $65 | $785 | 17% |
| New Mexico | $49 | $589 | -12% |
| New York | $62 | $741 | 10% |
| North Carolina | $51 | $607 | -10% |
| North Dakota | $43 | $515 | -23% |
| Ohio | $52 | $625 | -7% |
| Oklahoma | $47 | $559 | -17% |
| Oregon | $69 | $829 | 23% |
| Pennsylvania | $59 | $704 | 5% |
| Rhode Island | $49 | $585 | -13% |
| South Carolina | $55 | $662 | -2% |
| South Dakota | $50 | $597 | -11% |
| Tennessee | $52 | $624 | -7% |
| Texas | $58 | $695 | 3% |
| Utah | $54 | $645 | -4% |
| Vermont | $52 | $621 | -8% |
| Virginia | $61 | $729 | 8% |
| Washington | $64 | $769 | 14% |
| West Virginia | $47 | $566 | -16% |
| Wisconsin | $60 | $722 | 7% |
| Wyoming | $51 | $613 | -9% |
*The rates include all coverage selections on the market for a 6-year-old Ragdoll. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Ragdoll Insurance Costs?
Ragdoll cats face higher pet insurance premiums due to breed-specific health factors.
Health Predispositions
Potential Vet Costs: $1,800 to $15,000
Ragdolls face several breed-specific health challenges that insurers classify as high-risk conditions. Hypertrophic cardiomyopathy (HCM), a serious heart condition, often requires costly surgical intervention. Ragdolls are also prone to kidney disease, bladder stones and dental problems, which increase lifetime veterinary expenses.
Size-Related Factors
Potential Vet Cost Increase: 15% to 25% higher vet costs
As one of the largest domestic cat breeds, Ragdolls require specialized care that impacts treatment costs. Ragdolls need larger doses of medications and anesthesia during procedures. Medical imaging and laboratory tests often require additional resources, while recovery from surgeries or injuries may take longer due to weight and build.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $400 (Young) to $800 to $1,500 (Senior)
Ragdolls commonly live 12 to 15 years. As Ragdolls age, cats become more susceptible to chronic conditions that require ongoing management. Senior Ragdolls often need more frequent veterinary visits, specialized diets and medication for age-related issues, leading to higher health care costs in their later years.
Behavioral and Activity Risks
Potential Vet Costs: $800 to $3,000
Despite their gentle nature, Ragdolls can be active and playful. Size and activity level can lead to injuries from falls or overexertion, affecting joints and bones. While generally docile, their trusting nature may put Ragdolls at risk for accidents, affecting insurance claims for emergency veterinary care.
Breeding-Related Issues
Potential Vet Costs: $2,000 to $8,000
Increased demand for Ragdolls has led to concerning breeding practices that amplify genetic health risks. This trend causes insurers to scrutinize coverage more carefully, affecting policy terms and exclusions. Selecting a Ragdoll from a responsible breeder who conducts comprehensive health screenings can reduce future medical expenses and insurance complications.
Your cat's unique health profile matters more than breed statistics. Your insurance choice should align with your budget and your cat's medical needs. A conversation with your vet can help identify your Ragdoll's risk factors and guide your coverage decisions.
INSURANCE RISK PREVENTION
Schedule annual heart screenings and genetic testing for HCM (hypertrophic cardiomyopathy). Choose reputable breeders who test parent cats and maintain indoor-only living to prevent injuries. Feed measured portions of high-quality cat food. Regular dental cleanings and weight monitoring prevent costly health issues common to this breed.
How to Get the Best Cheap Ragdoll Pet Insurance
Finding affordable Ragdoll cat insurance takes some research. These simple steps can help you save money on coverage.
- 1
Evaluate Your Coverage Needs
Consider your Ragdoll's age and potential health issues when choosing pet insurance coverage. Focus on plans that cover breed-specific conditions like heart disease and kidney problems.
- 2
Compare Insurance Providers
Get quotes from at least three different pet insurance companies. Look for providers with positive customer reviews and clear coverage terms.
- 3
Review Policy Details
Check waiting periods and pre-existing condition rules before signing up. Make sure you understand what's covered and what's excluded in each policy option.
- 4
Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Companies charge different rates for similar coverage levels.
- 5
Review Coverage Annually
Check your policy terms before renewal. Your cat's needs may change, and new providers might offer better rates.
Ragdoll Cat Insurance: Bottom Line
AKC ranks as the best-rated pet insurance provider for Ragdolls, while Pumpkin offers the lowest monthly premiums. Compare both providers to find coverage that matches your cat's health needs and your budget. Quality policies cover care when health issues arise.
Pet Insurance for Ragdoll: FAQ
Our insurance experts analyzed coverage options specifically for Ragdoll cats to answer your most pressing questions about protecting these valuable pets.
What is the best pet insurance provider for Ragdolls overall?
AKC offers the best insurance for Ragdolls, featuring comprehensive coverage and exceptional customer service. AKC's extensive benefits and strong coverage options protect your Ragdoll companion.
Who offers the cheapest pet insurance for Ragdoll?
Pumpkin provides the most affordable pet insurance for Ragdolls at $17 per month for standard coverage. Actual premiums will vary depending on your location, pet's age and other individual factors.
How much does Ragdoll insurance cost?
With a monthly premium of $56, Ragdolls rank as the 25th most expensive breed to insure. Monthly rates can vary by location, ranging from $38 to $72 depending on your state.
What are the most common accident and illness risks for Ragdoll?
Ragdolls commonly face hypertrophic cardiomyopathy, polycystic kidney disease and hip dysplasia. These health risks are primarily linked to the breed's genetic makeup and large size.
How We Found the Best and Cheapest Ragdoll Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Ragdolls. We researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details for Ragdolls.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Ragdoll
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs 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 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 factored in discounts as a minor component to the rating.
- 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.