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Updated October 30, 2026
The short answer
Siamese cat insurance cost $22 to $52 a month in our Idaho test for an accident-and-illness plan with a $5,000 annual limit. A 1-year-old Siamese was quoted $22.16 by Fetch and $27.94 by Embrace. At age 8, the quotes were $26.14 and $51.04.
The two insurers price older Siamese cats very differently, so comparing quotes matters more than usual. For general cat prices, see our cat insurance cost guide.
Real quotes for Nampa, Idaho
| Sample cat | Embrace | Fetch |
|---|---|---|
| Siamese, 1 year | $27.94 | $22.16 |
| Siamese, 8 years | $51.04 | $26.14 |
| For comparison: Maine coon, 8 years | $51.04 | $32.10 |
| For comparison: Persian, 8 years | $51.04 | $33.92 |
What the quotes show:
- Fetch was 49% cheaper for an 8-year-old Siamese. That was the biggest gap we found for any cat.
- Fetch barely raised the price with age. Its quote rose 18% from age 1 to 8, compared with 83% for Embrace.
- Fetch prices Siamese cats below other breeds. At age 8, it quoted a Siamese about 20% less than a Maine coon or Persian. Embrace charged the same for all three.
Common Siamese health problems
- Asthma. Siamese cats are prone to it, usually between ages 2 and 8. It often needs long-term medication.
- Progressive retinal atrophy (PRA). An inherited eye disease that can lead to blindness.
- Amyloidosis. An inherited condition where protein builds up in organs such as the liver and kidneys.
- Megaesophagus. An enlarged esophagus that makes it hard to keep food down.
- Cancers such as lymphoma and mast cell tumors.
Many of these are chronic, so check that a plan keeps covering a condition year after year once it is diagnosed.
How to choose a plan
- Compare at the age you will insure. The price gap between insurers grew a lot with age in our test.
- Enroll early. Asthma and eye problems can be excluded as pre-existing once a vet records them.
- Check prescription coverage. Inhalers and long-term medication add up. Embrace sells prescription coverage as an add-on.
Get real quotes
Prices depend on your cat’s age and your ZIP code. Get quotes from both insurers with the same limit, deductible and reimbursement rate.
Related guides: cat insurance cost, Maine coon insurance, Persian cat insurance, Embrace vs Fetch and is pet insurance worth it?
Sources
- Our own quotes from Embrace and Fetch, October 30, 2026, ZIP 83651.
- Catster: Siamese cat health problems