The Best Pet Insurance for Maine Coons in 2025
ASPCA and Liberty Mutual top our list of best choices for Maine coon insurance, thanks to their robust coverage and savings opportunities.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Reviewed byJohn Leach
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John LeachLicensed Insurance Agent
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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In This Article
Maine coons may have started out in the northeastern state that their name suggests, but their gentle giant personalities and playful natures have made them one of America’s most-loved cat breeds.[1] Your Maine coon is likely to enjoy energetic playtime, or a dip under a running faucet, just as much as snuggling up to you on the couch — making them a great pet for families with children and other companion animals.
Because they’re big and fluffy, Maine coons require regular grooming and proper nutrition. And they’re at risk of certain genetic conditions, like heart disease, spinal muscular atrophy, and kidney disease, so it’s a good idea to protect your Maine coon’s health with pet insurance.
On average, it costs about $31 per month to insure a Maine coon, according to Compare.com data. That’s a bit more than the national average cost of cat insurance — $23 per month. Still, most Maine coon parents would tell you these big kitties are worth the cost.
Here’s everything you need to know about insurance for your Maine coon, how much it costs, and which pet insurance companies offer the best Maine coon insurance.
Key Takeaways
ASPCA and Liberty Mutual are the best pet insurance companies for Maine coons.
Where you live and your cat’s age affect how much you’ll pay to insure your Maine coon.
Maine coons reach full maturity around age 4, when females can tip the scales at 12–15 pounds, and males at 18–22 pounds.[2]
Our Picks for the Best Pet Insurance Companies for Maine Coons
You have a lot of options for pet insurance for your Maine coon, so it’s a good idea to compare quotes from multiple insurers. We crunched the numbers and evaluated more than a dozen top pet insurance companies to help you decide which one is best for your Maine coon. We considered factors like availability, premiums, discounts, waiting periods, coverages, and more.
Here’s what we learned about the best pet insurance companies for Maine coons.
 |  |  |  |
|---|---|---|---|
Avg. quote, cats Prices based on average across all available cat breeds and locations $16/mo* | Avg. quote, cats Prices based on average across all available cat breeds and locations N/A Compare does not have data available at this time | Avg. quote, cats Prices based on average across all available cat breeds and locations N/A Compare does not have data available at this time | Avg. quote, cats Prices based on average across all available cat breeds and locations $29/mo* |
Avg. quote, Maine Coon $23/mo* | Avg. quote, Maine Coon N/A Compare does not have data available at this time | Avg. quote, Maine Coon N/A Compare does not have data available at this time | Avg. quote, Maine Coon $43/mo* |
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. N/A Compare does not have data available at this time | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. N/A Compare does not have data available at this time | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90% |
Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. N/A Compare does not have data available at this time | Payout limits The maximum amount your provider will pay for covered events. N/A Compare does not have data available at this time | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. N/A Compare does not have data available at this time | Deductibles The amount you must pay towards a covered event before your coverage kicks in. N/A Compare does not have data available at this time | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.
Best for Maine coons with hereditary or congenital conditionsASPCA
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| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
With moderately priced insurance plans, ASPCA pet insurance is worth considering, especially for pet parents worried that their Maine coon could develop a hereditary or congenital condition. While some insurers charge extra to cover such health issues, ASPCA includes it as part of a standard accident and illness plan. The insurer also offers a 100% reimbursement option and doesn’t reduce a pet’s coverage when they reach their senior years.
Pros
Covers hereditary and congenital issues
10% discount available for multiple pets
Covers alternative therapies
Cons
No coverage for pre-existing conditions
Doesn’t pay for prescription foods
Unlimited coverage quotes not available online
Best for bundling discountsLiberty Mutual
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| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Liberty Mutual is a well-recognized name in property insurance, so you might not be surprised that its pet health insurance plans are attractive. If you buy a Liberty Mutual pet insurance policy, you can bundle it with another type of Liberty Mutual policy — think auto, home, or renters — and get a substantial discount. You can choose from accident-only, accident and illness, and comprehensive plans that include preventive care coverage.
Pros
Bundling discount available
Accident and illness policies cover alternative therapies
Discounts for insuring more than one pet
Cons
No wellness coverage for accident-only policies
No option for 100% reimbursement
Requires a 14-day waiting period for accident coverage
Read more driver reviews of Liberty Mutual
Lyle
Verified Review
Premiums Too High
Reviewed in Arizona on June 2025
We have been with Liberty Mutual for several years. No accidents, no claims, and we're paying $226 per month for one vehicle. Plus, we bundle our auto and home insurance.
Marilyn
Verified Review
Good
Reviewed in Georgia on June 2025
Too expensive but excellent service. Premium raised too much because of hurricane damage.
Amanda
Verified Review
I've been with them for about 30 years, and I have no complaints. I wouldn't be looking to change if it weren't for the fact that they're not going to cover in California anymore!
Reviewed in California on May 2025
I've been with them for about 30 years, and I have no complaints. I wouldn't be looking to change if it weren't for the fact that they're not going to cover in California anymore!
…
Best for wellness-only coveragePet Assure
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| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Pet Assure isn’t a pet health insurance company. Instead, it offers reimbursement plans for wellness care and a discount plan that provides a flat 25% off for covered services from an in-network vet. The discount plan has no age limits or pre-existing conditions exclusions. You can also combine the discount and wellness plans for greater savings.
Pros
No age or pre-existing conditions exclusions
Three tiers of wellness plans available
Grooming and preventive coverages available
Cons
No accident or illness coverage
Must see an in-network veterinarian
Comparatively low wellness plan payout limits
Best for customer servicePumpkin
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| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Pumpkin offers an accident and illness plan, but no accident-only policy. Still, you can buy wellness coverage as an add-on. Online user reviews show high customer satisfaction from pet parents with Pumpkin. The insurer covers some things other companies exclude, like behavioral issues, tooth extractions, and prescription food for covered conditions.
Pros
High customer satisfaction ratings
No upper age limit for coverage
Covers chronic conditions
Cons
Higher premiums than some competitors
14-day waiting period for illnesses
Wellness coverage available only as add-on
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The Cheapest Pet Insurance Companies for Maine Coons
You have a lot of choices when you’re looking to insure your Maine coon, so it’s a good idea to compare quotes from multiple companies. Be sure to consider more than price, including what a policy covers (and excludes), deductible options, coverage limits, and more.
Here are the cheapest insurers for Maine coon cats, according to our research.
The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT.
Company  | Average Monthly Premium |
|---|---|
| Pets Best | $16 |
| Lemonade | $19 |
| Spot | $19 |
| ASPCA | $23 |
| Figo | $30 |
| Healthy Paws | $31 |
| Prudent Pet | $37 |
| Pumpkin | $43 |
| Fetch Pet | $47 |
What Pet Insurance Covers for Maine Coons
Generally, you can choose from two types of policies for your Maine coon — accident-only or accident and illness. Since Maine coons may be more likely to develop certain hereditary conditions,[3] it’s a good idea to opt for a comprehensive pet health insurance plan.
Here’s a breakdown of some common illnesses and accidents for this breed, what it costs to treat them, and whether pet insurance usually covers these costs.
Condition/Accident | Estimated Treatment Cost | Covered by Pet Insurance? |
|---|---|---|
| Hypertrophic cardiomyopathy (heart disease) | $1,000–$1,500 (to diagnose) | Yes, if not pre-existing |
| Hip dysplasia | $1,500–$3,000 per hip | Yes, if not pre-existing |
| Dental disease | $900–$2,000 (for cleaning) | Yes |
| Spaying/neutering | $300–$400+ | No (but may be covered with wellness add-on) |
| Urinary tract infections | $1,700–$3,600 | Yes |
| Accidental injuries (fractures) | $300–$2,500+ | Yes |
What pet insurance won’t cover
Generally, pet insurance won’t cover pre-existing conditions — anything your cat showed symptoms of or was diagnosed with before your policy began.[4] But some insurers will cover curable pre-existing conditions after a lengthy waiting period.
For example, if your vet diagnoses your Maine coon with heart disease before you buy pet health insurance, any policy you purchase won’t cover treatment for the condition. But, if your cat has an episode of vomiting and recovers, if the problem recurs after you start a policy, your new insurer may cover it.
Other Coverages to Consider for Your Maine Coon
You may think of pet insurance as health insurance for your cat. It is, but unlike human health insurance, pet insurance usually comes with a lot of options for customizing your policy.
Most pet insurance companies offer optional coverages that you can add to a standard accident and illness policy for your Maine coon. Here are some worth considering:
Wellness/routine care: This add-on helps pay for routine and preventive care, like annual checkups, vaccinations, dental cleanings, and more. Not all insurers offer wellness packages, so be sure to check an insurance company’s options before buying a policy.
Exam costs: All pet insurance policies pay for covered treatments, but many won’t pay for the cost of an exam to help your vet diagnose your cat’s problems. Some will cover exam costs as an add-on that you’ll pay extra for.
Alternative therapies: A standard accident and illness policy usually won’t cover alternative therapies like acupuncture. Some insurers, though, may offer it as an add-on.
Behavioral therapy: Maine coons are generally even-tempered cats. But if your kitty develops a bad habit that requires behavioral therapy to correct, most pet insurance won’t cover it. Some insurers will pay for behavioral therapy if you buy an add-on that covers it.
Adding optional coverages will increase your policy premium, but add-ons can be a good way to fill coverage gaps.
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How to Find the Right Coverage for Your Maine Coon
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It’s important to find a pet insurance plan that fits both your budget and your Maine coon’s needs. Start by comparing insurance companies’ coverage options, reimbursement rates, deductibles, and payout limits to understand what you get for your premium.
Here’s why each of these factors is important when you’re comparing pet insurance plans:
Reimbursement rate: This is the percentage of your vet bill the insurer will pay after you meet your deductible. Most plans offer 70% to 90% reimbursement. Some even offer 100% reimbursement. Just remember, a higher reimbursement rate means lower out-of-pocket costs but higher monthly premiums.
Deductible: This is the amount you pay out of pocket before your insurance kicks in to pay for covered care. Deductibles can be annual, per-incident, or lifetime. Higher deductibles lower your monthly premium but increase your out-of-pocket expenses when you file a claim.
Payout limit: This is the maximum amount the insurer will pay annually or over your cat’s lifetime. A handful of insurers offer policies with unlimited annual payouts. Plans with higher or unlimited payout limits offer better protection but usually cost more.
Waiting periods: These apply to all policies and can vary based on the insurer, the policy you buy, and health issues. For example, many insurers have 14-day waiting periods for illnesses and longer ones for orthopedic conditions. Insurance companies do this to ensure they don’t end up paying for a condition that your Maine coon had before you bought your policy.
How Your Maine Coon’s Age Affects Pet Insurance Costs
The average life expectancy for cats is 13–17 years, but it’s not uncommon to hear of cats living longer.[5] But because they’re a large cat breed, Maine coons have a shorter average lifespan of 10–13 years. That means they can develop health issues sooner than some other breeds.
For example, Maine coon kittens can show signs of spinal muscular atrophy as early as 3–4 months old.
Here’s how your Maine coon’s age can affect your pet insurance premium:
The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT.
Average Monthly Premium: Young Maine Coons | Average Monthly Premium: Adult Maine Coons | Average Monthly Premium: Senior Maine Coons |
|---|---|---|
| $27 | $30 | $81 |
How Your Location Affects Premiums
Where you live also plays a big part in how much you pay for pet insurance for your Maine coon. Insurance companies look at your ZIP code to estimate the cost of veterinary care in your area. That’s because vet bills and treatment costs can vary widely from state to state and even from city to city.[6]
Areas with higher living expenses, more expensive veterinary services, or fewer available vets usually see higher insurance premiums. For example, states like California and New York tend to have higher average vet visit costs, which translates to higher insurance rates. States in the Midwest and South often have lower costs for both vet care and insurance.
Where you live also affects your cat’s environment-related risks. For example, if you live in a hot state, like Arizona, your Maine coon may be at higher risk of heat-related illness.
The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT.
State | Average Monthly Premium |
|---|---|
| Louisiana | $14 |
| Oklahoma | $16 |
| Missouri | $17 |
| Alabama | $19 |
| North Carolina | $20 |
| Utah | $22 |
| Kansas | $23 |
| Minnesota | $25 |
| Nebraska | $25 |
| Vermont | $25 |
| South Dakota | $26 |
| Tennessee | $27 |
| Wisconsin | $27 |
| Arizona | $28 |
| Texas | $28 |
| Rhode Island | $29 |
| Hawaii | $30 |
| Florida | $31 |
| Georgia | $31 |
| Michigan | $31 |
| New Jersey | $31 |
| Ohio | $31 |
| Pennsylvania | $31 |
| Washington | $31 |
| West Virginia | $31 |
| Maine | $32 |
| New York | $32 |
| Idaho | $33 |
| New Hampshire | $33 |
| California | $34 |
| Massachusetts | $35 |
| Connecticut | $37 |
| Illinois | $42 |
| Oregon | $55 |
| Virginia | $60 |
| Indiana | $61 |
| Colorado | $62 |
| Wyoming | $74 |
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Pet Insurance for Maine Coons FAQs
If you have a Maine coon or are considering adopting one, you probably already know they’re friendly, easy-going gentle giants. But in case you still have questions about getting insurance for a Maine coon, here are the answers to some common questions.
Is pet insurance worth it for Maine coons?
Yes. Pet insurance can be a smart investment for owners of Maine coons, even though it’s a generally hardy breed. Maine coons can still develop illnesses or experience accidents that lead to expensive vet bills. Having insurance helps you manage these costs so you don’t have to choose between your cat’s health and your budget.
How much is pet insurance for a Maine coon?
On average, it costs $31 per month to insure a Maine coon, according to Compare.com data. That’s more than the overall national average for cat insurance — $23 per month. Their potential for certain congenital and hereditary conditions, their size, and their life expectancy could all play a role in the slightly higher costs to insure a Maine coon.
What types of pet insurance policies are available for Maine coons?
Generally, you can choose from three types of pet insurance policies: accident-only plans, accident and illness plans, and wellness plans. Accident-only plans are the most affordable and cover accidental injuries. Accident and illness policies also cover illnesses and often include hereditary and congenital conditions. Wellness plans are typically add-ons to accident and illness plans and cover routine care costs.
What’s the best age to get pet insurance for your Maine coon?
The best time to get pet insurance for your Maine coon is when your cat is young and healthy. Insurance companies typically exclude pre-existing conditions, so enrolling early ensures your policy will cover future illnesses or injuries.
Sources
- PetMD. "Maine Coon."
- The International Cat Association (TICA). "Maine Coon."
- University of California, Davis Veterinary Medicine, Veterinary Genetics Laboratory. "Maine Coon."
- Trupanion. "Does pet insurance cover pre-existing conditions?."
- PetMD. "How Long Do Cats Live? Here's What To Expect."
- AKC Pet Insurance. "Why Does My Location Affect Pet Insurance Costs?."
