Persian insurance cost
What you'll pay to insure a Persian in the UK, by age and cover type, and the health risks behind the price.
A Persian costs around £21 a month to insure on lifetime cover at age 3, with most quotes between £17 and £25. That's the most expensive of the common pedigree cats, because the Persian's flat face brings breathing and eye problems that generate frequent claims.
Persian insurance cost by age
Premiums rise every year and climb steeply from around age 8, when illness claims increase and most insurers add a percentage co-pay. These are monthly estimates by cover type:
| Age | Lifetime | Annual (time-limited) | Accident only |
|---|---|---|---|
| 1 year | £18 | £13 | £5 |
| 3 years | £21 | £15 | £6 |
| 5 years | £25 | £18 | £7 |
| 8 years | £36 | £26 | £11 |
| 10 years | £46 | £33 | £14 |
| 12 years | £60 | £43 | £18 |
Lifetime cover keeps paying for ongoing conditions year after year. Annual cover stops after 12 months per condition. Accident-only covers injuries but no illness, which is why it's so much cheaper.
Why Persian insurance costs what it does
Insurers set premiums from claims data, and the Persian is associated with breathing problems, eye conditions and kidney disease. Here's what drives the Persian's price specifically:
- Persians are brachycephalic (flat-faced), so they suffer breathing difficulties and struggle in heat, and severe cases need surgery.
- Their prominent eyes are prone to excessive tearing, ulcers and entropion, and eye treatment is a recurring cost.
- Polycystic kidney disease is genuinely common in the breed, one of the higher rates of any cat, and it's a chronic, expensive condition.
- Their long coat needs daily grooming, and skin and coat problems can follow if it's neglected.
Which cover type suits a Persian?
Given the Persian's high rate of chronic kidney disease and ongoing eye issues, lifetime cover is strongly preferable. Accident-only cover would miss almost everything the breed is known for.
How to bring the cost down
A few things genuinely reduce a Persian's premium. Insure while your pet is young to lock in a lower starting price and a claims history. Choose a higher voluntary excess, which typically cuts the monthly premium by around 15%. Keep your pet at a healthy weight, since obesity feeds into most of the expensive conditions. And compare lifetime policies on their annual benefit limit, not just the monthly price, because a low limit can run out mid-treatment.
For a figure tailored to your pet's exact age, postcode and cover type, use our pet insurance estimator. It uses the same underlying data as the estimates on this page.
Common questions
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Sources
Estimates use our pet insurance pricing model, built from Association of British Insurers (ABI) market data, published insurer pricing and breed health surveys. Breed health information draws on veterinary and Kennel Club sources. These are illustrative estimates, not quotes. Actual premiums vary by insurer and your circumstances.
This is an estimate based on market averages, not a quote or financial advice. We're not regulated by the FCA. Always compare policies on cover and annual limits, not just price.