How much is pet insurance for a Scottish Fold?

Every published Scottish Fold figure

Each source measures something different, so the figures sit side by side and are never averaged together. Of the breed tables tracked here, only Pawlicy Advisor's includes the Scottish Fold: Forbes Advisor, Fetch and Insurify publish shorter breed lists that leave it out.

Where the Scottish Fold sits among 18 cat breeds

Ranked by Pawlicy's median, the Scottish Fold is the 4th most expensive of the 18 cat breeds and types Pawlicy lists, inside the ten priciest. Its median is 23% more than the middle cat breed on that list ($39.74) and 46% more than Pawlicy's mixed-breed cat ($33.30).

The spread inside the breed matters as much as the median. A quarter of Scottish Fold quotes came in under $34.04 and a quarter over $55.55; the middle half spans 44% of the median. The range reaches further below the median ($15) than above it ($7), so a cheaper policy shape pulls some quotes well under the typical one. 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 Scottish Fold, 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 $48.72 a month that bill equals 60.8 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 ($585) and the insured year costs $1,377 against $2,964 without cover, $1,587 less. *The break-even bill, where both cost the same, is $250 + $585 ÷ 80% = $981 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 Scottish Fold 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

• Persian: $48.51 a month (Pawlicy Advisor)
• Siberian: $49.43 a month (Pawlicy Advisor)
• Exotic Longhair: $46.82 a month (Pawlicy Advisor)
• Siamese: $44.62 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.), NAPHIA State of the Industry 2026, Trupanion claims examples, NAIC Pet Insurance Model Act. Last checked October 20, 2026. Method on the methodology page.