Pet Insurance for Scottish Fold Cats

With their distinctive folded ears and endearing disposition, Scottish Folds are a unique breed of cat. Discover more about their characteristics, common health conditions and considerations for pet insurance costs with Savvy today!

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, updated on September 11th, 2023       

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Price range

$450+ (folded ears)
$150+ (no fold)





Coat length

Short, long

Life expectancy

11–15 years


Affectionate, intelligent, adaptable



Suitable for

Families, individuals, seniors, apartment living

Scottish Fold


The Scottish Fold is a medium-sized cat with a rounded physique, folded ears and large, expressive eyes. Originating in 1961 on a farm in Perthshire, Scotland, the breed’s distinctive ears are a result of a spontaneous genetic mutation. Despite challenges related to health concerns, the Scottish Fold has become a cherished breed worldwide among cat enthusiasts.

With a calm and affectionate nature, the Scottish Fold makes an excellent companion. They thrive in various household environments, from bustling family homes to quieter single-person residences, and form strong bonds with their human caregivers. Although not as active as some breeds, they are known for their intelligence, often engaging in playful activities and communicating with an assortment of meows and purrs.

With their easy-going temperament and charming disposition, Scottish Folds bring a delightful presence to any home. Whether curled up on a lap or engaging in interactive play, these felines bring joy and companionship to their owners.

Common Scottish Fold cat diseases and conditions

  • Osteochondrodysplasia: a condition related to abnormal bone and cartilage development, which can lead to joint problems and stiffness. Management involves weight control to reduce stress on the joints and certain supplements may be prescribed. 
  • Brachycephalic airway obstruction syndrome: due to their unique facial structure, Scottish Folds may be susceptible to breathing difficulties. In more severe cases, surgical intervention may be necessary to alleviate the obstruction. 
  • Polycystic kidney disease (PKD): a genetic condition characterised by the development of fluid-filled cysts in the kidneys. Regular veterinary check-ups are crucial for early detection. 
  • Cardiomyopathy: a hereditary heart condition that can lead to thickening of the heart muscles and potentially heart failure. Treatment may involve medication to manage symptoms and slow disease progression. Regular cardiology check-ups are essential for monitoring the condition.
  • Obesity: Scottish Folds may be prone to weight gain, so a balanced diet and regular exercise are crucial for their health and well-being.

How much does pet insurance cost for a Scottish Fold cat?

There are many factors that can influence the cost of pet insurance for your Scottish Fold cat, including the following:

  • Age: older cats are associated with increased health risks, potentially leading to higher insurance premiums.
  • Coverage type: the level of coverage you choose directly affects the premium. Comprehensive plans offer the broadest protection, but they come with higher premiums than accident-only and accident and illness plans.
  • Annual limits, benefit percentage and excess: choosing lower annual limits or benefit percentages, along with selecting a higher excess, can result in slightly lower premiums. However, this might lead to higher out-of-pocket costs in the event of a claim.
  • Discounts and offers: some insurers offer discounts for insuring multiple pets, bundling policies or enrolling your pet as a kitten.
  • Veterinary history: your cat’s medical background, including pre-existing conditions or prior illnesses, can influence coverage options and policy terms.

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Scottish Fold cats

Are Scottish Folds suitable indoor cats?

Yes – Scottish Folds are generally well-suited to indoor living. Their calm and adaptable nature makes them thrive in various household environments. If you plan to let them outdoors, it's important to provide a safe and secure space to prevent them from roaming too far.

Are Scottish Folds vocal cats?

Scottish Folds are known for their expressive meows and chirps. While they’re not as vocal as some other breeds, they do enjoy communicating with their human companions. They'll likely let you know when they're feeling playful, hungry or in need of attention.

Can Scottish Folds be left alone for longer periods?

No – while Scottish Folds are independent to an extent, they thrive on companionship and social interaction. They’re not fans of prolonged solitude. If you need to leave them alone for an extended period, providing stimulating toys or considering a feline companion can help prevent loneliness.

Are there any ethical issues surrounding Scottish Fold cats?

Yes – the breeding of Scottish Folds with folded ears has raised ethical concerns related to potential health issues, particularly in cats with severe folding. Cats with extreme ear folding can develop skeletal abnormalities, particularly affecting the cartilage in their limbs and tails, which can lead to discomfort and mobility issues. Responsible breeding practices, including genetic testing and ensuring the health of the breeding cats, are crucial to addressing these concerns and ensuring the well-being of the breed.

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Scottish Fold

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