2024 Best Pet Insurance for Exotic Shorthair

Last updated Dec 22, 2021

Are you a dog/cat owner or considering adopting? You've come to the right place! Check everything you need to know about Exotic Shorthair below to see if they're the great fit. We'll cover breed characteristics, personality, common health issues, care and sanitary information and pet insurance cost. While pet insurance usually doesn’t cover pre-existing conditions such as polycystic kidney disease (pkd), progressive retinal atrophy (pra), and epiphora, it helps cover the vet’s bills in case your pet gets sick or injured. The average pet insurance premium for cat is around $133.61 per year for accident only and $341.81 per year for accident and illness.

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Calm and kind are two words that come to mind when describing the Exotic Shorthair personality. They adapt well to apartment or household surroundings, in part because of their easygoing disposition, and they enjoy being among children and adults. Exotics enjoy company, so if you have a profession that needs you to be away from home for lengthy periods of time, your Exotic will appreciate having another animal buddy.

Exotics like simple games, but at the end of the day, they'll just want to curl up in your lap—don't be angry if your cat refuses to sleep in your bed; Exotics prefer a cool environment.

Despite being a very friendly cat, many are wary of strangers, at least at first. Most Exotics will warm up to their new buddy after only a short time of getting to know them and will even want to play with them.

Common Health Problems/Possible Pre-Existing Condition

Health Problem Risk Medical Cost
Polycystic Kidney Disease (PKD) $3,000-$6,000
Progressive Retinal Atrophy (PRA) $200-$2,000
Epiphora $200-$800
Respiratory problems $500-$4,000
Restricted nasal passages $200-$500

Average Size and Life Expectancy


Average Pet Insurance Cost and Why Your Exotic Shorthair Need it?

Depending on where you reside, the age of your cat, and the policy settings you select, pet insurance may cost more or less.

Exotic Shorthair policies can be more costly than mixed breed policies since Exotic Shorthair are considerably more likely than mixed breed cats to file claims for inherited diseases that are expensive to treat.

According to the 2021-2022 APPA National Pet Owners Survey, the annual expenses of surgical vet visits for cats is $201 on average and the average annual expenses of routine vet visits for cats is $178. But if a pet becomes ill or has an accident, those expenses can increase drastically.

Every year, 1 out of every 3 pets will require emergency treatment. According to Petplan, the typical cost of unexpected veterinary care for pets ranges from $800 to $1,500 while around 61 percent of Americans do not even have enough money set up to meet a $1,000 emergency. You’ll always need a pet insurance to save your life because unanticipated crises and operations are the most unaffordable burden. Pet insurance won’t cover all the spending at the vet, but it can help you from going bankrupt in just a snap.

After you pay a deductible, which can vary from $0 to $1,000 or more depending on your plan, an insurance policy normally pays 70% to 90% of your costs.

Care & Sanitary

It's simple to keep your exotic shorthair in great shape. Their dense, short coats only need to be brushed once a week to eliminate debris and shedding hair. Grooming sessions with cats should begin when they are kittens. You should also wipe their faces on a frequent basis to avoid discoloration from tears.

Exotic shorthairs are prone to obesity, which is why it's crucial to maintain track of your cat's nutrition. Exotic shorthairs must also be spayed or neutered, kept indoors at all times, and have their teeth and nails trimmed on a regular basis.

Other Tips to Save Money on Pet Insurance

  • Higher deductible
    Consider having higher deductible plan if you only make one or two claim annually. The higher your deductible, the cheaper your monthly premium will be. But if your pet needs to visit the vet on a regular basis, a high deductible could harm your pocket badly.
  • Lower reimbursement plan
    Limit the amount you get from insurer if you file a claim. Just like the higher deductible, it could decrease your monthly rates but also risky if your pet get seriously ill often.
  • Pay annually
    Some insurer are willing to provide discount if you agree to an annual payment.
  • Insure them in an early age
    The younger your pet, the lower the insurance rates will be. Young pets usually have fewer pre-existing conditions. Oftentimes, accidents can happen sooner than you think. Keep in mind that the insurers normally have an age limit(from 7 to 14 years old, depending on companies) that they will not accept your pet.
  • Shop around
    Always look for better deals. You may compare pet insurance quotes through comparison websites, just like you can with other insurance, but you should also do your own research.


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Compare the top insurance brands at once for free