Pet insurance cost by breed / Cats
Published premiums · checked October 20, 2026
How much is pet insurance for an Exotic Shorthair?
Forbes Advisor published $34 a month for an Exotic Shorthair (average monthly premium at a $5,000 limit, age 3). No other source tracked here lists the breed. That is 6% below NAPHIA's 2025 average for every insured cat ($36.25 a month for accident and illness cover).
- 1Forbes Advisor $34.00/mo
- 2Sources with a figure 2
- 3NAPHIA 2025, all cats $36.25/mo
- 4A year at this figure $408
Every published Exotic 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 $34 (Forbes Advisor, $5,000 limit) to $61 (Forbes Advisor, unlimited).
| Source | What it measures | Monthly | Dated |
|---|---|---|---|
| Forbes Advisor | age 3, $250 deductible, 80% | $34 at a $5,000 limit; $61 unlimited | October 1, 2026 |
| NAPHIA | Average for all insured cats, accident and illness, 2025 | $36.25 | June 21, 2026 |
Why only one source
Pawlicy Advisor, the largest breed table tracked here, does not list the Exotic Shorthair, so there is no median or range to rank it against other cats. Forbes Advisor's figure is for a 3-year-old cat with a $250 deductible and 80% reimbursement, and the same table prices the breed at $61 a month with no annual limit. Compared with NAPHIA's all-cat average of $36.25, the $5,000-limit figure is 6% less than it.
What cat claims are usually for
None of the six ACVS condition pages used on this site names the Exotic 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 $34.00 a month that bill equals 87.2 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 ($408) and the insured year costs $1,201 against $2,964 without cover, $1,763 less. *The break-even bill, where both cost the same, is $250 + $408 ÷ 80% = $760 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 Exotic 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
- Domestic Shorthair: $33.54 a month (Pawlicy Advisor)
- Mixed-breed cat: $33.30 a month (Pawlicy 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: Forbes Advisor, NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.