Pet Insurance for British Shorthair Cats

British Shorthair cats, known for their robust build and charming demeanour, are a popular breed among cat enthusiasts. Discover more about this breed, their common health conditions and potential pet insurance costs with us today!

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, updated on September 11th, 2023       

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Price range

$400 – $2,000





Coat length


Life expectancy

12–20 years


Calm, easy-going, affectionate



Suitable for

Families, individuals, multi-pet households

British Short Hair


British Shorthair cats, often referred to as “teddy bears” due to their round faces and dense, plush fur, are a delightful breed with a rich history. Originating in Britain, these cats are known for their sturdy build, making them excellent companions for families and individuals alike.

Their calm and easy-going temperament makes British Shorthairs well-suited for indoor living, but they also enjoy some outdoor exploration if provided with a safe environment. These cats form strong bonds with their owners, offering affection and companionship. 

British Shorthair cats are known for their adaptability and are equally content in homes with active families or quieter settings. They thrive in a warm and loving environment and are known for their loyalty and devotion to their human companions. Their plush coats and gentle nature make them not only attractive but also wonderful companions for those seeking a feline friend.

Common British Shorthair cat diseases and conditions

  • Hypertrophic cardiomyopathy (HCM): British Shorthairs are at risk of HCM, a genetic heart condition characterised by thickened heart walls, which can impair heart function over time. Symptoms may include lethargy, breathing difficulties and coughing. Diagnosis is confirmed with echocardiograms.
  • Polycystic kidney disease (PKD): PKD is a genetic disorder that affects the kidneys, leading to the development of fluid-filled cysts. It can cause kidney failure if left untreated. Regular veterinary check-ups and genetic testing for breeding cats are crucial for early detection.
  • Obesity: British Shorthairs are prone to obesity due to their love of food and relatively sedentary nature. Obesity can lead to various health issues, including diabetes and joint problems. Maintaining a healthy diet and exercise routine is essential to prevent obesity.
  • Dental issues: dental problems, such as gingivitis and tooth decay, can affect British Shorthairs. Routine dental care, including brushing and professional cleanings, can help maintain oral health.
  • Respiratory infections: their flat faces (brachycephalic) can make British Shorthairs more susceptible to respiratory infections. Prompt veterinary attention is necessary if signs of respiratory distress, such as sneezing or wheezing, occur.

How much does pet insurance cost for a British Shorthair cat?

The cost of pet insurance for your British Shorthair cat can vary based on several factors, including:

  • Age: premiums often increase for senior cats due to a higher risk of health issues associated with aging, while younger cats may qualify for lower premiums.
  • Coverage selection: the type of insurance coverage you choose significantly impacts the premium. Comprehensive plans offer broader protection but come with higher premiums, while accident-only plans are more budget-friendly but provide limited coverage.
  • Pre-existing health issues: cats with existing medical conditions might face elevated insurance premiums, and some insurers could exclude coverage for specific ailments.
  • Annual limits, benefit percentage and excess: lower annual limits or benefit percentages and choosing a higher excess can lead to slightly lower premiums. However, you may face higher costs in the event of a claim.
  • Discounts and offers: some insurers provide discounts for multi-pet policies, bundling plans or enrolling your pet at a young age.

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about British Shorthair cats

Are British Shorthairs suitable as indoor cats?

Yes – British Shorthairs are not especially active cats and adapt well to indoor living, provided they have a stimulating environment with toys and activities to keep them mentally and physically engaged.

Can British Shorthair cats be left alone?

British Shorthair cats are known for their independence and can manage short-term periods of solitude better than many other breeds. However, for longer durations, it's advisable to arrange for a cat sitter service or have a trusted friend visit your cat daily to ensure their well-being and companionship.

Do British Shorthair cats get along with other pets?

Yes – British Shorthairs are very laid back and can easily accept other pets, including dogs and other cats, if properly introduced and socialised.

Do British Shorthairs make good lap cats?

No – while British Shorthair cats may enjoy some petting and tolerate brief cuddles, they prefer to express their affection in more independent ways. These cats tend to enjoy your company by curling up nearby or following you around the house, rather than sitting on your lap for extended periods. It’s important to respect their boundaries and allow them to choose when and how they want to engage in physical affection.

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British Short Hair

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