How much is pet insurance for a Domestic Shorthair?

Every published Domestic Shorthair figure

Each source measures something different, so the figures sit side by side and are never averaged together. 2 published monthly figures run from $24 (Fetch Pet Insurance, average) to $33.54 (Pawlicy Advisor, median).

Where the Domestic Shorthair sits among 18 cat breeds

Ranked by Pawlicy's median, the Domestic Shorthair is the 15th most expensive of the 18 cat breeds and types Pawlicy lists, inside the ten cheapest. Its median is 16% less than the middle cat breed on that list ($39.74) and 1% more than Pawlicy's mixed-breed cat ($33.30).

The spread inside the breed matters as much as the median. A quarter of Domestic Shorthair quotes came in under $23.14 and a quarter over $44.53; the middle half spans 64% of the median. The range sits fairly evenly around the median ($10 below, $11 above). Pawlicy does not say which ages, deductibles or limits sit at each end.

What cat claims are usually for

None of the six ACVS condition pages used on this site names the Domestic Shorthair, which says nothing either way about its health: those pages list only the best-known examples. Across the whole insured population, NAPHIA's 2025 report ranks the most common cat claims as gastrointestinal, dental disease, urinary tract infection, anxiety, behavioral or neurological and respiratory. Breed-predisposed conditions for other breeds are listed under health problems by breed.

Premiums against a real vet bill

Insurers' own claim data gives a sense of scale. For swallowing a foreign object, a common accident in any breed, Trupanion publishes an average claim of $2,964. At $33.54 a month that bill equals 88.4 months of premiums.

Worked through a policy with a $250 deductible and 80% reimbursement (the terms Forbes Advisor priced): the policy pays ($2,964 − $250) × 80% = $2,171, leaving $793 for the owner. Add a year of premiums ($402) and the insured year costs $1,195 against $2,964 without cover, $1,769 less. *The break-even bill, where both cost the same, is $250 + $402 ÷ 80% = $753 in a policy year; a year with smaller bills costs more insured. The calculator reruns this with other terms, and is pet insurance worth it? shows the method.

Age moves the price more than breed

These all-breed figures cannot be applied to the Domestic Shorthair figure above, but they show the direction. Forbes Advisor's average for a cat at a $5,000 limit runs from $24 at 3 months to $26 at 5 years (8% more). Insurify's medians climb from $22 for an adult cat to $62 for a senior, 182% more. NAPHIA's average cat premium rose 18% from 2021 to 2025. See pet insurance cost by age.

Similar cat premiums

• Mixed-breed cat: $33.30 a month (Pawlicy Advisor)
• Exotic Shorthair: $34.00 a month (Forbes Advisor)
• American Shorthair: $35.82 a month (Pawlicy Advisor)
• Maine Coon: $36.55 a month (Pawlicy Advisor)

Premiums also vary by state: Pawlicy's all-pet median runs from Hawaii ($64.01) through Oklahoma ($43.97) to Alaska ($28.02). No source publishes breed figures by state, so this site does not combine the two. Browse every state or every breed.

Sources: Pawlicy Advisor (Median monthly premium of real Pawlicy customer quotes across the insurers it sells; the range is the 25th to 75th percentile. The page labels the median as the average.), Fetch Pet Insurance, NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.