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Updated October 29, 2026
The short answer
Persian 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 Persian was quoted $22.16 by Fetch and $27.94 by Embrace. At age 8, the quotes rose to $33.92 and $51.04.
Persians need more vet care than most cats. A large UK study found that about 2 in 3 Persians had at least one recorded health problem. For general cat prices, see our cat insurance cost guide.
Real quotes for Nampa, Idaho
| Sample cat | Embrace | Fetch |
|---|---|---|
| Persian, 1 year | $27.94 | $22.16 |
| Persian, 8 years | $51.04 | $33.92 |
| For comparison: Maine coon, 8 years | $51.04 | $32.10 |
What the quotes show:
- Fetch was cheaper at both ages, by 21% at age 1 and 34% at age 8.
- Embrace priced Persians and Maine coons the same. Fetch charged slightly more for an 8-year-old Persian.
- Embrace’s price rose 83% from age 1 to 8, compared with 53% for Fetch.
Common Persian health problems
A Royal Veterinary College study of 3,325 Persian cats found that 64.9% had at least one recorded disorder. The most common were:
| Condition | Share of Persians affected |
|---|---|
| Coat and fur problems | 12.7% |
| Dental disease | 11.3% |
| Overgrown nails | 7.2% |
| Eye discharge | 5.8% |
The same study found that kidney disease was the most common cause of death in Persians (23.4%). Their flat faces can also cause breathing and eye problems.
How to choose a plan
- Check dental coverage. Dental disease is common in Persians. Most accident-and-illness plans cover dental illness, but often not routine cleanings.
- Enroll early. Eye and breathing problems linked to the breed’s face shape can be treated as pre-existing once a vet records them.
- Consider a wellness add-on if you expect regular grooming and dental visits. Compare its yearly cost with what it pays back.
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, Siamese cat insurance, Embrace vs Fetch and is pet insurance worth it?
Sources
- Our own quotes from Embrace and Fetch, October 29, 2026, ZIP 83651.
- AAHA: Persian cats at high risk of health issues