Why Are Male Cats More Expensive to Insure?

Why Are Male Cats More Expensive To Insure?

Why Are Male Cats More Expensive To Insure? Cat owners should think about getting best pet insurance for their cats. It can help pay for unexpected medical costs and ensure their cats get the best care possible. On the other hand, it’s a known observation that male cats usually have higher insurance rates than female cats. This article will discuss the reasons behind this price difference and explain why it might cost a little more to insure a male cat.

To set the scene, let’s find out how much it usually costs to insure a cat in the US. Cat insurance costs a grown cat about $27.70 monthly or $332 a year. This number can change, though, depending on age, health, area, breed, and, most importantly, gender. Understanding these factors is essential to knowing why are male cats more expensive to insure?

How Much Will It Cost To Insure a Cat?

The cost of insurance for a cat can change based on the cat’s age, breed types, area, type of coverage, and the insurance company. On average, premiums can be anywhere from $10 to $100 a month.

Why Are Male Cats More Expensive to Insure?

Male cats may have higher insurance rates than female cats because they like to roam and do risky things, which means they may have more accidents or injuries.

Do I Need to Get Cat Insurance?

Do I Need to Get Cat Insurance

Yes, getting protection for your cat is a good idea. Pet insurance helps pay for unexpected vet bills so your cat can get the care, surgeries, and medicines it needs without you having to worry about money.

What Types of Pet Insurance Are There?

a) Accidents

Covers injuries and accidents, such as broken bones, ingesting foreign items, or car accidents.

b) Illness Coverage:

Covers illnesses and medical problems, digestive issues, including infections, cancer, and more.

c) Comprehensive Coverage

Combines accident and illness coverage, offering broader protection for accidents and illnesses.

d) Wellness Plans:

Cover preventive care, dental cleanings, vaccinations, and regular check-ups to maintain your pet’s health.

What Is Covered by Pet Insurance?

What Is Covered by Pet Insurance

Pet insurance typically covers:

a) Veterinary Costs:

Visits to the doctor, diagnostics, surgeries, consultations, medications, and hospitalization.

b) Accidents:

 Injuries from crashes, like fractures, lacerations, burns, and other emergency treatments.

 c) Illnesses:

Medical expenses are linked to illnesses, infections, chronic conditions, and hereditary or congenital issues.

 d) Specialised Treatments:

Specialized treatments such as rehabilitation, acupuncture, chemotherapy, or mental therapy.

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What Isn’t Covered by Pet Insurance?

Pet insurance usually does not cover the following:

a) Pre-existing conditions:

Medical conditions existed before the insurance policy started or during the waiting period.

b) Preventable Conditions:

Preventable problems like flea control, spaying, routine vaccinations, and neutering, and grooming.

c) Cosmetic Procedures:

Cosmetic procedures, tail docking, ear cropping, or other procedures simply for appearance.

d) Breeding Costs:

Costs linked to breeding, pregnancy, whelping, or complications arising from reproduction

e) Behavioural Issues:

Behavioural training or treatments unless deemed medically required by a veterinarian.

Why Is It Better to Have a Male Cat?


  • Less Territorial Behaviour: Male cats tend to be less territorial than female cats, which may mean they act aggressively less frequently.
  • Easier to Train: Male cats may find it easier to train to use the litter box and may adjust to new routines more quickly.
  • Affectionate: Male cats can be highly loving and enjoy snuggling and developing bonds with their owners.


  • Spraying: Some male cats may spray to mark their territory, particularly if they have not been neutered.
  • Roaming Tendencies: Unneutered males may have a more considerable urge to walk and may be more likely to be hurt or lose their way.
  • Hormonal Changes: Males who have not been neutered may exhibit altered behaviour during the mating season.

What Are the Pros and Cons of Owning a Male Cat?


  • Health benefits: Cats indoors often live longer and are shielded from outdoor dangers, including accidents and illnesses.
  • Reduced veterinarian costs: Cats who live indoors may have fewer health issues, which could result in lower veterinarian costs.
  • Safety: Outdoor threats, including road accidents, predators, and severe weather, are not a concern for indoor cats.


  • Potential Boredom: Indoor cats may become bored or exhibit behavioural problems without adequate mental and physical stimulation.
  • Limited Exercise: Indoor cats may not have enough space to exercise, which can result in obesity and other health issues.
  • Environmental Enrichment is Required: To keep indoor cats mentally engaged, owners must provide enrichment activities and toys.

Is Pet Insurance Worth It for an indoor Cat?

For an indoor cat, purchasing pet insurance may be worthwhile because:

Even indoor accidents can occur, and insurance can aid with unforeseen veterinarian costs.

Indoor cats are nevertheless susceptible to several medical issues, and insurance covers the cost of treatments.

However, consider your cat’s health, age, risk factors, and insurance cost versus any potential benefits.

10 Most Expensive Cat Breeds To Insure

The price of cat insurance might vary depending on the cat’s health, region, insurance provider, and type of coverage. However, some cat breeds may have higher insurance prices due to potential health risks. The following cat breeds may be more expensive to insure:

Sphynx: Susceptible to respiratory problems and skin diseases.

Bengal: Possesses high levels of activity and potential genetic conditions.

Siamese: Prone to respiratory disorders and dental problems.

Ragdoll: Prone to urinary tract issues and cardiac ailments.

Maine Coon: May experience joint and cardiac problems.

British Shorthair: Potential respiratory and cardiovascular issues.

Persian: Predisposed to skin diseases, respiratory troubles, and dental problems.

Siberian: May suffer from heart and urinary tract issues.

Birman: Predisposed to cardiovascular disease and pulmonary issues.

It is crucial to request quotations from various insurance companies to ascertain the exact premiums for these breeds because insurance costs can vary.

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