Pet Insurance for Sphynx Cats

Sphynx cats are a unique breed with their distinctive hairless appearance, but they are also known for their affectionate and people-oriented nature. Find out more about them, their common conditions and how much pet insurance might cost with Savvy today!

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, updated on September 12th, 2023       

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Price range

$1,500 – $3,500





Coat length


Life expectancy

9–15 years


Affectionate, playful, curious


Yes – with supervision

Suitable for

Families, individuals, seniors, apartment living



The Sphynx cat is renowned for its unique hairless appearance. Unlike other cats, this breed, originating from selective breeding in the 1960s, has no fur and instead has only very fine hairs on its body or none at all. Due to their absence of a protective coat, Sphynxes tend to feel warm to the touch and have a preference for seeking out cozy places when they are not keeping busy.

As energetic cats, Sphynxes enjoy playtime and exploration, displaying a love for leaping and climbing. They are intelligent and curious creatures, with a knack for problem-solving and a love of puzzle toys and engaging tasks.

Despite their striking appearance, Sphynxes are incredibly affectionate and people-oriented. They thrive on human interaction and have a reputation for being “people cats”, forming strong bonds with their owners. Their loyalty and sociable nature make them a unique and cherished addition to any household.

Common Sphynx cat diseases and conditions

  • Hypertrophic cardiomyopathy (HCM): this is a common heart condition in Sphynx cats, characterised by the thickening of the heart muscles. Regular veterinary check-ups and screenings are essential for early detection.
  • Urticaria pigmentosa: this condition manifests as crusty sores on the skin. While not exclusive to Sphynx cats, they can be prone to it due to their unique skin type. Regular skin checks are important.
  • Sunburn and skin damage: Sphynx cats are at risk of sunburn and skin damage when exposed to direct sunlight for extended periods. Protective measures, like limiting outdoor exposure and providing shade, are important.
  • Respiratory infections: due to their lack of protective fur, Sphynx cats may be more susceptible to respiratory infections, especially early in life. It’s important to monitor their environment and to ensure they are mature enough to thrive in a new environment before adoption.
  • Periodontal disease: this occurs when plaque and tartar build up on the teeth, leading to inflammation and infection of the gums. Without proper dental care, this can progress to more serious issues like tooth decay and tooth loss. Regular dental check-ups and cleanings are crucial to prevent and manage this condition.

How much does pet insurance cost for a Sphynx cat?

A range of factors can influence the cost of pet insurance for your Sphynx cat, including the following:

  • Age: older cats generally have higher premiums due to an increased likelihood of age-related health issues, while younger cats often have lower premiums as they are typically in better overall health and have a lower likelihood of pre-existing conditions.
  • Coverage type: the level of cover you choose directly affects the premium. Comprehensive plans offer broader protection but come with higher premiums. Accident-only plans are cheaper but cover only accidental injuries.
  • 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 insurance companies provide discounts for multiple pets, bundling policies or enrolling your pet at a young age.
  • Veterinary history: your cat’s medical history, including pre-existing conditions or past illnesses, can impact coverage options and policy terms.

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

Common questions about Sphynx cats

Are Sphynx cats suitable indoor cats?

Yes – Sphynx cats are generally more suited to indoor living due to their lack of fur, which makes them more sensitive to temperature extremes. They can easily get sunburned or chilled, so it's important to provide them with a warm and protected environment. Additionally, their sociable nature makes them thrive on human interaction, which is easier to provide in an indoor setting.

Do I need to groom my Sphynx cat?

Yes – despite their lack of fur, Sphynx cats require regular grooming to maintain their skin health. They should be bathed often – depending on their needs this could be weekly, fortnightly or monthly – to remove excess oils and dirt. Additionally, it's essential to check their ears for wax build-up and clean them gently as needed. Nails should be trimmed regularly, and the skin should be monitored for any signs of irritation or allergies.

Are Sphynx cats vocal?

Yes – Sphynx cats are known to be quite vocal and expressive. They may use a range of sounds to communicate with their owners, from gentle chirps to more insistent meows. It's important to pay attention to their vocalisations, as it can be their way of expressing needs, desires or even discomfort.

Are Sphynx cats hypoallergenic?

Sphynx cats are often considered to be more hypoallergenic compared to other cat breeds that have fur. This is because they have minimal hair, which means there is less surface area for allergenic proteins like dander to cling to. However, it's important to note that while they may be more hypoallergenic, they are not completely allergen-free. Some individuals with severe allergies may still experience reactions in the presence of a Sphynx cat, albeit to a lesser extent than with a fully-furred cat. As with any hypoallergenic claim, it's recommended for individuals with allergies to spend time with a Sphynx cat before bringing one into their home to assess their personal reaction.

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