Pet Insurance

Best Pet Insurance For Ragdoll Cats

Our comprehensive pet insurance guide for Ragdoll cats includes common health concerns, different factors to consider when selecting a pet insurance policy, and how you can save money. We review multiple pet insurance companies and provide you with recommendations for Ragdoll pet parents like you. This content was reviewed by our licensed insurance agent, Michelle Schenker.

Kimberly Alt

Last Updated: May 14, 2024 | 9 min read

Woman veterinarian holding fluffy ragdoll cat during medical care examining at vet clinic

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Ragdoll cats are one of the most popular cat breeds in the world. The breed is beautiful to look at with its striking features. Not to mention, they’re affectionate, making them an excellent companion in your household. But the best pet insurance policy for Ragdoll cats isn’t the same as for other cat breeds. That’s why we’ve created this insurance guide for Ragdolls.

The Ragdoll breed ranges in height from 9-13 inches and weighs 12-20 or more pounds. No matter the popularity or cat size, the Raggie is susceptible to accidents and illness like any other feline, making pet insurance an excellent investment.

All cats are unique and pose various health concerns throughout their lifespan, and their breed can impact this. Learn more about Raggies’ health concerns and the health insurance options that are available. This information can help you learn how to fit an insurance plan for your cat into your budget.

Pets Best Logo
Our Rating

Best
Overall

Figo logo new
Our Rating

Best For
Older Cats

Embrace Pet Insurance logo
Our Rating

Best For
Wellness Coverage

Note: Clicking the above links takes you to each company’s website to learn more and get a quote. If you make a purchase, we earn a commission at no additional cost to you.

Is Pet Insurance Worth It?

According to NAPHIA (North American Pet Health Insurance Association), the average monthly premium for an accident and illness insurance policy in the U.S. in 2022 was $32.25 for cats., If this is something you can afford, then we think pet insurance is completely worth it. Also, keep in mind that your price will vary from this average, so be sure to get your own quotes from multiple companies. Not only does pet insurance allow you to seek out the best medical treatment for your cat, but it also helps you budget your finances.

If the thought of a cat emergency resulting in hundreds or even thousands of dollars causes you stress, then pet insurance may be beneficial to you. All cats are vulnerable to accidents and illnesses. The important thing to remember is that you must sign up for pet insurance before your cat experiences an emergency if you wish to be covered.

Additionally, pet insurance doesn’t cover pre-existing conditions. So, the sooner you sign your cat up for a policy, the less likely they are to have pre-existing condition exclusions.

Who Offers The Best Cat Insurance Policy?

Below are our top picks for pet insurance for Ragdoll cats based on their breed-specific needs.

Best Overall Pet Insurance

Pets Best

Pets Best Logo
  • Extensive coverage
  • Some of the lowest prices
  • No age limits or restrictions
  • Detailed dental coverage

Pets Best is the best pet insurance for Ragdoll cats because of its lower average premium prices, absence of a maximum age limit for enrollment, shorter hip dysplasia waiting period (only 14 days), and wide range of plan customization options. Pets Best also has fewer exclusions than many other companies, including more detailed dental coverage and optional wellness plans.

Best Pet Insurance For Older Cats

Figo

Figo logo new
  • No age limits or restrictions
  • Diminishing deductible for healthy pets
  • Offers 100% reimbursement
  • Fast claim processing

Best Wellness Coverage Offered By An Insurance Provider

Embrace

Embrace Pet Insurance logo
  • Three optional wellness plans
  • Diminishing deductible for healthy pets
  • Covers exam fees
  • Some curable pre-existing conditions are eligible for coverage

Additional Options We Recommend

Healthy Paws

Healthy Paws logo
  • Unlimited payouts for all plans
  • Among the fastest claim processing
  • High customer satisfaction
  • Affordable coverage for unlimited payouts

Trupanion

Trupanion logo
  • Per-incident deductible
  • No transaction or one-time fees
  • Can pay the vet directly through Trupanion Express
  • 90% reimbursement and unlimited payouts for all plans

Lemonade

Lemonade logo
  • Artificial Intelligence (AI)-driven claims process allows claim processing within seconds
  • Competitive pricing
  • Ability to bundle with other insurance products
  • No available in all 50 state

Considerations When Choosing Cat Insurance

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Wondering about waiting periods and age restrictions? Learn more below.

What Are Waiting Periods?

Waiting periods are short periods at the beginning of a new policy until your pet’s health condition is eligible for reimbursement. Remember, pre-existing conditions and accidents and illnesses that are diagnosed or show symptoms during the waiting period are excluded from coverage. The average waiting period for accidents is less than five days and for illnesses is 14 days.

Are There Age Restrictions For Pet Insurance?

Pet insurance companies typically have minimum age requirements (generally between six and eight weeks old) before allowing you to enroll your cat. There are also a few companies that have maximum age restrictions that cap the age at which you can sign up your older cat (14 years old is the most common). Additionally, some companies exclude specific health conditions from coverage if your cat is enrolled beyond a certain age (e.g., hip dysplasia, dental developmental abnormalities, etc.). Learn more about what is covered with cat dental insurance in our guide here.

What Types Of Pet Insurance Coverage Is Available?

There are two different types of insurance coverage for you to choose from:

  1. Accident & Illness—This is the most popular type of pet insurance policy because it covers both accidents (e.g., broken bones, foreign body ingestion, etc.) and illnesses (e.g., cancer, diabetes, FIV, etc.), including the most unexpected veterinary costs. Since pre-existing conditions are not covered by any pet insurance companies, it can be financially helpful to enroll in a policy while your cat is still younger.
  2. Accident-Only – These policies only cover expenses associated with accidents (most sudden physical injuries). Accident-only plans are often cheaper than the more comprehensive accident and illness policies. Owners whose cats have several pre-existing conditions might find this to be a better option.

Some companies also offer a wellness plan (aka preventative care plan) during the enrollment process. This commonly covers routine vet expenses (i.e., annual exams, spay/neuter procedures, vaccinations, etc.) but varies by provider. It’s typically available as an add-on to an accident-only or accident-and-illness policy, but some companies allow you to purchase it without an insurance policy. This add-on coverage isn’t technically an insurance product.

Premium Is Determined By The Deductible, Reimbursement & Payout Options

The premium is the amount charged by the insurance company, which is normally billed monthly or annually to cover your Raggie’s pet insurance policy. Additional transaction fees are tacked on by some companies when you opt to pay on a monthly basis, so if you can budget to pay the bill once each year, you can often save a little on your annual total bill.

Breed (or mix), location, age, gender, pre-existing conditions, deductible, reimbursement percentage, and payout are among the factors that are used to calculate your premium. Now, you know your zip code and that you have a Ragdoll, their gender, approximate age, and medical history. But what do you need to understand to make the right choices when it comes to the deductible, reimbursement, and payout?

  • Deductible – The amount of money you are responsible for paying before the provider will start considering reimbursing you for vet expenses. This amount normally resets every annual policy period (this is based on your date of enrollment – not a calendar year) and is referred to as a per-year deductible. However, a few companies have per-incident deductibles instead. In this case, you must pay up to this amount for each new condition experienced by your pet. Companies all have their own unique way of thinking about this, so make sure you understand your policy’s fine details. The difference between an annual and per-incident deductible can vastly change the amount of money you’re expected to pay before coverage and reimbursement start to kick in, especially for chronic conditions.
  • Reimbursement – This is the percentage of any given claim that you’re eligible to receive repayment for after you’ve met your deductible. The reimbursement options you will see most often are 70%, 80%, and 90%, but you may see different options based on the company as well as your pet’s age and location.
  • Payout – This is the maximum amount a company will reimburse you during a given policy period. While you will likely have a lower premium to pay if you select a low payout limit, this also means that you may be responsible for more costs if your animal needs costly vet treatment.

Most companies allow you to customize your deductible, reimbursement, and payout to find a premium that fits into your budget. But, it is a balancing act as you also want to ensure it will cover your biggest concerns. If you are seeking a lower premium, you might want to choose a plan with a high deductible and reimbursement percentage but a low payout. However, it’s crucial to find a balance between your budget and the worst-case situation if your Ragdoll’s health fails and you are stuck paying several expensive vet bills.

What Are Pet Insurance Exclusions?

Exclusions are listed in your policy, and the items not covered by your provider are outlined. Examples of exclusions include pre-existing conditions, musculoskeletal disorders, specific dental treatment, hereditary disorders, and more.

The most likely and substantial concern for Raggies is that a few companies have additional waiting periods for orthopedic conditions, such as hip dysplasia. Because Ragdoll cats have a high risk of hip dysplasia, you’ll want to read the policy carefully to ensure you understand and are okay with any additional restrictions regarding this condition.

Common Health Issues In Ragdoll Cats

Ragdoll cats generally live 12-17 years. They are prone to some health conditions related to their size as well as genetics.

Hip Dysplasia

Hip dysplasia is most commonly diagnosed in larger cat breeds, including the Ragdoll breed. The specific cause of feline hip dysplasia has yet to be identified, although many think there is a genetic component.

Prevention and treatment for feline hip dysplasia are limited. The best thing you can do is ensure your cat isn’t overweight and keep their hip muscles strong. You can assist with this by having your cat jump up on a counter to get their food or hide the food under a sofa so your cat has to crouch down to find it.

Some vets recommend anti-inflammatory medication and dietary supplements containing glucosamine and chondroitin, both of which help strengthen cats’ connective tissues. Surgery is an option in advanced hip dysplasia cases, including a femoral head and neck excision and micro total hip replacement. Feline hip dysplasia surgery costs can run from $1,500 up to $12,000 depending on the type of surgery recommended by the vet and if both sides require treatment.

Arthritis

Arthritis is when one or more joints suffer from inflammation and degeneration. Cats with arthritis may experience joint pain and inflammation that impact their daily lives.

To diagnose arthritis, a vet will conduct an examination, palpate your cat’s joints to determine areas of pain and their intensity, and take X-rays. Approximately 90% of cats ten years or older will experience arthritis in at least one joint.

Your vet may recommend a new diet to help your cat maintain a normal weight. Non-steroidal anti-inflammatory drugs (NSAIDs) may be prescribed to help with pain management. Joint disease supplements may also be administered to support overall joint health. Acupuncture can also aid in general pain relief. All of these items can cost several hundreds of dollars or more a year.

Feline Diabetes

Diabetes mellitus (DM) occurs when the body cannot produce or respond to the insulin the pancreas makes. This can result in too high glucose levels in the blood, the body’s primary energy source. Cats with diabetes are most likely suffering from Type II, which is when glucose levels are high because the cells don’t respond appropriately to insulin.

A urinalysis may be conducted to help diagnose diabetes in your cat. Regular insulin injections are required to help stabilize your cat’s blood sugar levels, costing upwards of $150 per month. Consistent exercise and a healthy diet are also necessary to help manage diabetes. Additionally, more frequent vet visits may be necessary to monitor the disease and adjust treatment.

Polycystic Kidney Disease (PKD)

Polycystic kidney disease is a genetic condition that causes cysts to form in the kidneys. The cysts start out small and are present from birth, but over time, they grow larger and disrupt kidney function, resulting in kidney failure.

The speed at which PKD progresses is unpredictable. Most cats don’t display signs of kidney disease until around seven years old. However, some cats experience it at a younger age while others don’t experience it at all.

Diagnostic testing to help diagnose PKD can include blood and urine tests, kidney ultrasounds, and genetic testing. Treatment consists of special diets, fluid therapy, and medication. Over the cat’s lifetime, polycystic kidney disease can cost $5,000 or more.

Hypertrophic Cardiomyopathy (HCM)

Hypertrophic cardiomyopathy is the most commonly diagnosed heart disease in cats. HCM causes the heart walls to thicken, decreasing the heart’s efficiency and sometimes creating issues in other areas of the body.

The cause of HCM is unknown, but it is more prevalent in some breeds, including the Ragdoll, suggesting that genetics play a role. Diagnosis consists of an echocardiogram and ruling out high blood pressure and hyperthyroidism. Additional tests may be recommended by your vet, including chest radiographs and electrocardiography.

Treatment consists of medication administered orally or by injection. The diagnosis can cost up to $1,500, and medication can cost $300 each month.

How To Save Money On Pet Insurance

There are a couple of ways you could save money on pet insurance for your Raggy.

Pay Annually

Pet insurance premiums can typically be paid either monthly or annually. If you opt to pay monthly, a transaction fee of $1 or $2 may be added to each bill. However, if you choose to pay annually, the companies often waive this transaction fee. Therefore, if you pay your premium annually, you might be able to save $12-$24 each year.

Pet insurance premiums can deter some parents from purchasing a policy for their cats, but the benefits generally outweigh the cost. Knowing that if your cat experiences an emergency, you’ll have financial assistance with your cat insurance policy, which can provide you peace of mind. What a relief to know that you’ll never be faced with choosing between your feline’s health (or life) and your bank account.

Multi-Pet Discount

Insurance companies may offer multi-pet discounts to pet parents who take out several policies for their household’s cats and dogs. Some companies offer up to a 10% discount on each pet’s policy, which could save you quite a bit of money.

If you have any more questions about insurance for your Ragdoll, let me know in the comments.

Keeping Your Cat Healthy

Pet insurance can help make veterinary care more accessible, but it alone cannot keep your cat healthy. Your Ragdoll needs plenty of daily exercise, a healthy and balanced diet, and regular preventative veterinary care. Along with that, they require plenty of love and mental interaction. Cats love to play, so a good selection of toys is very helpful to keep them in good spirits and release excess energy.

Why Trust Love Your Cat?

Kimberly has been writing about pet insurance for over a decade. Having written about nearly every possible facet related to pet insurance. Kimberly knows the subject so well that she can answer a breadth and depth of pet insurance questions immediately. And on the rare occasion she doesn’t know the answer off the top of her head, she can find it within minutes due to her extensive list of resources. Kimberly also consulted with Michelle Schenker, Love Your Cats’ in-house licensed insurance agent, for additional expertise to ensure accuracy and give Love Your Cat the authority to write about and assist readers in purchasing policies legally.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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