The Best Pet Insurance Companies for Ragdolls in 2025

Big, fluffy balls of sweetness, Ragdolls are generally a healthy breed. But they’re also susceptible to some serious health issues, like heart disease and bladder stones. And, like all larger felines, Ragdolls can pack on the pounds, leading to joint issues as they grow older.^[1]

Regular vet care can help ensure your Ragdoll stays healthy. And pet health insurance can give you peace of mind that you’ll be able to afford your “puppy cat’s” vet bills.

Pet insurance for Ragdolls typically costs around $23 per month, according to Compare.com data. That’s in line with the national average cost of pet insurance for cats — $23.

Here’s what to know about finding the best pet insurance for your Ragdoll, based on our research of more than a dozen top pet insurance companies, their coverages, and costs.

Our Picks for the Best Pet Insurance Companies for Ragdolls

When you’re shopping for pet insurance for your Ragdoll, it helps to see how the top companies stack up side by side. Here’s a look at average monthly costs, reimbursement rates, and other key benefits of some leading pet insurance companies to help you compare.

Get QuotesCompare	Get QuotesCompare	Get QuotesCompare	Get QuotesCompare	Get QuotesCompare
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 $12/mo*	Avg. quote, cats Prices based on average across all available cat breeds and locations $23/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 $21/mo*
Avg. quote, Ragdoll $19/mo*	Avg. quote, Ragdoll $12/mo*	Avg. quote, Ragdoll N/A Compare does not have data available at this time	Avg. quote, Ragdoll N/A Compare does not have data available at this time	Avg. quote, Ragdoll 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. 60%–90%	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. 70%–90%	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. 50%–90%
Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000	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. $5,000–$15,000	Payout limits The maximum amount your provider will pay for covered events. $2,500–$10,000	Payout limits The maximum amount your provider will pay for covered events. Unlimited
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $300–$700	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $250–$1,000
Curable pre-existing conditions Pre-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. Covered	Curable pre-existing conditions Pre-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. Covered	Curable pre-existing conditions Pre-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. Covered	Curable pre-existing conditions Pre-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. Covered	Curable pre-existing conditions Pre-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. Not covered

Data in this table has been sourced from Compare users who received a pet insurance quote from our partner Fletch.

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The Cheapest Pet Insurance Companies for Ragdolls

Generally, it’s cheaper to insure cats than dogs, but affordability is still important when you’re comparison shopping for pet insurance. If your Ragdoll is young and healthy, or if you live in an area with a lower cost of living, you may have an easier time finding lower-cost pet insurance.

Here are average Ragdoll cat insurance rates from some top companies, according to Compare.com data.

The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT. 

Company	Average Monthly Premium
Spot	$12
ASPCA	$14
Figo	$17
Lemonade	$19
Pumpkin	$30
Prudent Pet	$37

What Pet Insurance Covers for Ragdolls

All pet insurance policies cover accidental injuries. Comprehensive policies also cover illnesses, though the type of covered illness can vary among insurers.

Here are some common Ragdoll health conditions, the typical cost of treatment, and whether pet insurance covers them.

Condition/Accident	Typical Cost to Treat	Covered by Pet Insurance?
Urinary tract infection	$10–$15+ for medication, $75–$100 per month for special diet	Yes, if not pre-existing
Urinary tract blockage (PU surgery)	$1,500–$4,500	Yes, if not pre-existing
Heart disease	$200–$1,500 for diagnosis, $100+ per month, depending on medication
Bladder stone removal	$900–$4,000
Dental disease (extraction)	$50–$130 per tooth	Yes, if not pre-existing
Broken leg (fracture repair)	$300–$2,500+	Yes
Obesity	Varies depending on treatment	No

Ragdolls can be susceptible to hypertrophic cardiomyopathy, a congenital heart condition that causes the muscle wall to become too thick. And their larger size can make them prone to arthritis problems later in life.

It’s important to find an insurance policy that covers hereditary and congenital issues that your Ragdoll may develop over time.

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Other Coverages to Consider for Your Ragdoll

Just like human health insurance, your pet insurance may not cover every health-related expense for your Ragdoll. But you can bridge some coverage gaps by buying policy add-ons that extend your coverage.

Common pet insurance add-ons include:

• Wellness plans: This helps cover routine care expenses that most typical accident and illness policies exclude. These routine care add-ons can reimburse you for things like annual exams, core vaccinations, dental cleanings, and flea, tick, or heartworm prevention. Some insurers also offer coverage for spaying or neutering, microchipping, and routine blood work as part of their wellness packages.^{[4] [5]}

• Alternative therapies: Ragdolls are laid-back cats, so you may never need behavioral therapy for your kitty. But if you do (or if you want to try acupuncture for your cat’s arthritis), adding coverage for alternative therapy is a must.

• Exam fees: Most policies will cover treatment costs but not the exam fees associated with diagnosing a condition. This add-on allows your policy to cover exam fees for eligible expenses.

• Prescription coverage: Some insurers include prescription medication coverage in their accident and illness plans. Others treat it as an add-on. You may also be able to buy an add-on that covers prescription food and supplements as well.

How to Find the Right Pet Insurance for Your Ragdoll 

When you’re looking for the right pet insurance for your Ragdoll, it’s important to weigh a few key factors. 

Start by reviewing what each policy covers, especially hereditary and congenital conditions your Ragdoll may be more susceptible to. Not all insurers cover these, so read the fine print or ask for a sample policy to see what’s included and excluded.

Next, think about how flexible the insurance company lets you be with your plan. Most companies let you adjust your deductible, reimbursement rate, and annual payout limit to fit your needs and budget.^[6] Here’s how each of those works:

• Deductible: This is the amount you pay out of pocket for covered treatments before your insurance starts reimbursing you. Choosing a higher deductible usually lowers your monthly premium, but you’ll pay more up front if your Ragdoll needs care.

• Reimbursement rate: This is the percentage of covered vet bills your insurance will pay after you meet your deductible. Common options are 70%, 80%, or 90%, but a handful of insurers offer 100% reimbursement options. A higher reimbursement rate means your insurer pays more per claim, but your premium will be higher.

• Annual payout limit: This is the maximum amount your insurer will pay each year. Some plans offer unlimited payouts, while others have caps. Some also have condition limits or lifetime limits. Higher limits give you more protection against big or repeated bills but usually cost more each month.

How Your Ragdoll’s Age Affects Insurance Costs

Ragdolls can live a long time, with many living 17 years or longer. But just like humans, cats can develop health issues as they grow older, and that means it’s more likely you’ll need to file a claim for their care. Plus, age-related health problems can require ongoing treatment or more extensive care, all of which increases veterinary costs.

Most insurers also set age limits for new enrollments and may restrict coverage options for older pets, sometimes offering only accident-only plans or excluding certain illnesses altogether. That’s why it’s a good idea to enroll your Ragdoll in a pet insurance policy while they’re young.

Here’s how the average monthly cost of pet insurance for Ragdolls changes as your cat moves from young to adult to senior.

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How Your Location Affects Pet Insurance Costs

Insurance companies also factor your ZIP code into your insurance premium because vet costs, cost of living, and even the frequency of claims can vary widely from one area to another. 

Urban areas and states with higher living expenses often have pricier veterinary care, so pet insurance premiums in those places are higher. But rural regions or states with lower vet fees usually see lower premiums. Local factors, like environmental hazards and disease prevalence, or the number of vet clinics in your area, can also influence rates.^[7]

Take a look at the table below to see the average monthly cost of pet insurance for Ragdolls in different states, according to our research.

The below rates are estimated rates current as of: Friday, August 1 at 12:00 PM PDT. 

State	Average Monthly Premium
Virginia	$12
North Carolina	$13
Texas	$14
West Virginia	$14
Indiana	$16
Kansas	$16
Minnesota	$18
California	$23
Colorado	$23
South Carolina	$23
Oregon	$25
Hawaii	$26
Massachusetts	$27
Kentucky	$31
Wisconsin	$33
New Mexico	$36
Georgia	$38
Florida	$39
Rhode Island	$47
Montana	$60
New Jersey	$60

Pet Insurance for Ragdolls FAQs