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Breeds›Birman
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Best Pet Insurance for Birmans

medium breed14–15 years lifespan~$750/yr vet costs

The Birman, also called the Sacred Cat of Burma, is a colorpointed, semi-long-haired cat distinguished by its silky coat, deep blue eyes, and characteristic white 'gloves' on all four paws. Birmans have a mythology-rich history (whether real or invented by French breeders in the early 20th century) and a personality to match their mystique — gentle, affectionate, and quietly curious. They are social cats that do well in multi-cat and family households and are less demanding than Siamese but more engaged than Persians. Their health profile is moderate — HCM monitoring is important, but Birmans are not high-risk cats by nature. With attentive care, a Birman can be a graceful, devoted companion for 14–15 years.

Best Pet Insurance for Birmans (Ranked)

🏆
EmbraceBest match for Birmans
97
/ 100
★★★★★
4.7(18,420 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more

Score Breakdown

Condition Coverage
40% weight100
Price & Value
25% weight100
No Breed Exclusions
20% weight100
Customer Rating
15% weight80
Overall Score97 / 100
Visit EmbraceFull Review
#2
97
/ 100
★★★★★
4.7(39,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit Healthy PawsFull Review
#3
95
/ 100
★★★★★
4.5(22,100 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit LemonadeFull Review
See All 31 Providers Ranked for Birmans →

Birman Health Risks & Conditions

Understanding your Birman's specific health risks helps you choose the right coverage.

Hypertrophic Cardiomyopathy (HCM)

moderate risk

Birman cats have moderate HCM prevalence. Cardiac screening via echocardiogram ($300–$600) is recommended beginning at age 3–4. Affected cats are managed with cardiac medications ($50–$200/month) and require ongoing monitoring. The breed's docile temperament can mask early symptoms of cardiac compromise, making scheduled screenings rather than symptom-based checks more important.

Treatment cost:$600–$5,000

Congenital Hypotrichosis

low risk

A rare heritable condition in Birman cats causing incomplete hair development and thymic aplasia (absent thymus), leading to severe immunodeficiency. Affected kittens rarely survive past a few months. This is primarily a breeder concern and does not typically affect healthy adults, but responsible breeders monitor for the trait.

Treatment cost:$200–$800

Dental Disease

moderate risk

Birmans have moderate susceptibility to periodontal disease and tooth resorption. Annual professional dental cleanings ($400–$800) are recommended. Their medium-length coat and docile nature make Birmans easy to habituate to regular at-home dental care, which significantly reduces veterinary dental costs long-term.

Treatment cost:$400–$1,800

Urinary Tract Disease (FLUTD)

low risk

Birmans have low-to-moderate FLUTD risk consistent with indoor neutered cats generally. Urinary blockage in males requires emergency treatment ($1,500–$3,000). Dietary management reduces recurrence risk.

Treatment cost:$300–$2,500

Obesity

moderate risk

Birmans' calm, indoor temperament and love of food make them prone to weight gain. Obesity exacerbates joint stress, urinary problems, and diabetes risk. Measured feeding and interactive play prevent the majority of cases.

Treatment cost:$200–$1,000

What to Look for in Birman Pet Insurance

Birmans are moderate-risk cats with HCM as the primary concern. Their generally healthy constitution and docile nature make them a reasonable insurance risk. Look for hereditary condition coverage including HCM, good dental illness benefits, and no-upper-age renewal for a breed that commonly lives 14–15 years. Top picks: Embrace (strong hereditary and dental illness coverage), Figo (good value for moderate-risk breeds), Healthy Paws (affordable unlimited coverage).

Birman Quick Stats

📅
14–15 years
Life expectancy
💰
$750/yr
Avg vet costs
📊
#17
Most popular
⚠️
5
Key health risks

Common Birman Health Conditions

⚠️ hypertrophic cardiomyopathy⚠️ congenital hypotrichosis⚠️ dental disease⚠️ urinary tract disease⚠️ obesity

All Providers Ranked for Birmans

#4
95
/ 100
★★★★★
4.5(31,200 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit Pets BestFull Review
#5
95
/ 100
★★★★★
4.5(11,300 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$90
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period15 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit FetchFull Review
#6
95
/ 100
★★★★★
4.5(7,400 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$30–$100
Annual limitUp to Unlimited
Reimbursement80%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit PumpkinFull Review
#7
94
/ 100
★★★★★
4.4(9,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit SpotFull Review
#8
94
/ 100
★★★★★
4.4(14,600 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$30–$120
Annual limitUp to Unlimited
Reimbursement90%
Waiting period5 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit TrupanionFull Review
#9
94
/ 100
★★★★★
4.4(15,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period0 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit MetLifeFull Review
#10
93
/ 100
★★★★★
4.3(25,600 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit ASPCAFull Review
#11
93
/ 100
★★★★★
4.3(9,600 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✓Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%, 100%
Waiting period1 day (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit FigoFull Review
#12
93
/ 100
★★★★★
4.3(3,100 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit AnimaliaFull Review
#13
92
/ 100
★★★★★
4.2(2,400 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit KanguroFull Review
#14
92
/ 100
★★★★★
4.2(3,600 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit Physicians MutualFull Review
#15
91
/ 100
★★★★★
4.1(12,900 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✓Exam Fees
✓No Exclusions
Monthly cost$25–$100
Annual limitUnlimited (whole pet)
Reimbursement50%, 70%, 90%
Waiting period14 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit NationwideFull Review
#16
91
/ 100
★★★★★
4.1(4,200 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit OdieFull Review
#17
91
/ 100
★★★★★
4.1(3,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit Prudent PetFull Review
#18
91
/ 100
★★★★★
4.1(3,200 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$16–$60
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit TotoFull Review
#19
90
/ 100
★★★★★
4(8,200 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$75
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit AKCFull Review
#20
90
/ 100
★★★★★
4(5,600 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit CarePlusFull Review
#21
90
/ 100
★★★★★
4(6,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$70
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit PetPartnersFull Review
#22
90
/ 100
★★★★★
4(2,900 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$17–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit TrustedPalsFull Review
#23
90
/ 100
★★★★★
4(5,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$20–$80
Annual limitUp to Unlimited
Reimbursement100%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit WagmoFull Review
#24
89
/ 100
★★★★★
3.9(1,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$18–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit DoggoFull Review
#25
89
/ 100
★★★★★
3.9(4,500 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit PetPremiumFull Review
#26
88
/ 100
★★★★★
3.8(900 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$55
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period3 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit PawdarlingFull Review
#27
87
/ 100
★★★★★
3.7(4,100 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✓Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$65
Annual limitUp to Unlimited
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit HartvilleFull Review
#28
87
/ 100
★★★★★
3.7(1,200 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$10–$45
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit NibblesFull Review
#29
85
/ 100
★★★★★
3.6(4,800 reviews)

Excellent match for Birmans. Covers 5 of 5 key health risks with competitive pricing.

✓Hereditary
✓Cancer
✓Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$15–$60
Annual limit$10,000
Reimbursement70%, 80%, 90%
Waiting period2 days (accident)

Covers your breed's key risks:

hypertrophic cardiomyopathycongenital hypotrichosisdental diseaseurinary tract disease+1 more
Visit 24PetprotectFull Review
#30
48
/ 100
★★★★★
3.8(1,100 reviews)

Consider alternatives with stronger hereditary condition coverage for Birmans.

✗Hereditary
✗Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✓No Exclusions
Monthly cost$8–$35
Annual limit$5,000
Reimbursement80%, 90%
Waiting period0 days (accident)
Visit SpokkFull Review
#31
44
/ 100
★★★★★
3.8(2,200 reviews)

Consider alternatives with stronger hereditary condition coverage for Birmans.

✗Hereditary
✓Cancer
✗Orthopedic
✗Dental
✗Exam Fees
✗No Exclusions
Monthly cost$10–$45
Annual limit$7,000
Reimbursement90%
Waiting period0 days (accident)

Covers your breed's key risks:

obesity
Not covered: hypertrophic cardiomyopathyNot covered: congenital hypotrichosis
Visit Companion ProtectFull Review

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