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Breeds›Havana Brown
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Best Pet Insurance for Havana Browns

medium breed12–15 years lifespan~$700/yr vet costs

The Havana Brown is a rich, warm chocolate-brown cat — one of the few cat breeds defined entirely by coat color, with no other colors permitted in the breed standard. Developed in England in the 1950s from Siamese and domestic black cat crosses, the Havana Brown found its home in America where it was developed separately from the British Havana (now called Oriental Lilac). American Havana Browns are a distinct breed: stocky, with a unique rectangular muzzle, forward-tilting ears, and a rich mahogany-brown coat. Havana Browns are affectionate, curious, and moderately vocal — less demanding than Siamese but more interactive than many breeds. They use their paws remarkably deliberately, often reaching out to touch their owners or examine objects. The Havana Brown is one of the rarest pedigreed cat breeds in North America, with only a few hundred registered annually.

Best Pet Insurance for Havana Browns (Ranked)

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

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary 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 Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit Healthy PawsFull Review
#3
95
/ 100
★★★★★
4.5(22,100 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit LemonadeFull Review
See All 31 Providers Ranked for Havana Browns →

Havana Brown Health Risks & Conditions

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

Upper Respiratory Infections

moderate risk

Havana Browns, sharing Siamese heritage, have moderate susceptibility to upper respiratory infections. Chronic herpesvirus rhinosinusitis can cause recurrent episodes of congestion and nasal discharge. Each treatment episode costs $150–$400. Long-term L-lysine supplementation ($20–$30/month) reduces recurrence frequency.

Treatment cost:$150–$600

Dental Disease

moderate risk

Havana Browns have above-average dental disease susceptibility inherited from their Siamese foundation lines. Annual professional dental cleanings ($400–$800) are essential. Some individuals develop stomatitis or severe periodontal disease requiring extraction ($1,200–$2,500 for full-mouth extraction in severe cases).

Treatment cost:$400–$2,000

Hypertrophic Cardiomyopathy (HCM)

low risk

Havana Browns have relatively low HCM prevalence. Annual cardiac screening ($300–$600) from age 4–5 is recommended. Their modest gene pool (the Havana Brown is one of the rarest CFA breeds) means ongoing health monitoring is warranted.

Treatment cost:$600–$5,000

Urinary Tract Disease

low risk

Havana Browns have standard feline FLUTD risk. Urinary blockage in males is an emergency ($1,500–$3,000). Dietary management and good hydration reduce recurrence.

Treatment cost:$300–$2,500

Obesity

low risk

Havana Browns are generally active, athletic cats. Weight management through portion control and enrichment prevents the majority of obesity cases. Indoor-only cats require interactive play to maintain activity levels.

Treatment cost:$200–$1,000

What to Look for in Havana Brown Pet Insurance

Havana Browns are generally healthy cats with Siamese-derived dental concerns as the primary management challenge. Their small gene pool warrants genetic diversity monitoring but does not translate directly to high insurance claims. Look for dental illness coverage, good respiratory condition coverage, and reasonable premiums for a generally healthy breed. Top picks: Embrace (dental illness add-on, good Siamese-heritage breed coverage), Figo (comprehensive at good value), Healthy Paws (affordable unlimited for healthy cats).

Havana Brown Quick Stats

📅
12–15 years
Life expectancy
💰
$700/yr
Avg vet costs
📊
#44
Most popular
⚠️
5
Key health risks

Common Havana Brown Health Conditions

⚠️ respiratory infections⚠️ dental disease⚠️ hypertrophic cardiomyopathy⚠️ urinary tract disease⚠️ obesity

All Providers Ranked for Havana Browns

#4
95
/ 100
★★★★★
4.5(31,200 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit Pets BestFull Review
#5
95
/ 100
★★★★★
4.5(11,300 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit FetchFull Review
#6
95
/ 100
★★★★★
4.5(7,400 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit PumpkinFull Review
#7
94
/ 100
★★★★★
4.4(9,800 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit SpotFull Review
#8
94
/ 100
★★★★★
4.4(14,600 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit TrupanionFull Review
#9
94
/ 100
★★★★★
4.4(15,800 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit MetLifeFull Review
#10
93
/ 100
★★★★★
4.3(25,600 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit ASPCAFull Review
#11
93
/ 100
★★★★★
4.3(9,600 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit FigoFull Review
#12
93
/ 100
★★★★★
4.3(3,100 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit AnimaliaFull Review
#13
92
/ 100
★★★★★
4.2(2,400 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit KanguroFull Review
#14
92
/ 100
★★★★★
4.2(3,600 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit Physicians MutualFull Review
#15
91
/ 100
★★★★★
4.1(12,900 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit NationwideFull Review
#16
91
/ 100
★★★★★
4.1(4,200 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit OdieFull Review
#17
91
/ 100
★★★★★
4.1(3,800 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit Prudent PetFull Review
#18
91
/ 100
★★★★★
4.1(3,200 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit TotoFull Review
#19
90
/ 100
★★★★★
4(8,200 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit AKCFull Review
#20
90
/ 100
★★★★★
4(5,600 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit CarePlusFull Review
#21
90
/ 100
★★★★★
4(6,800 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit PetPartnersFull Review
#22
90
/ 100
★★★★★
4(2,900 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit TrustedPalsFull Review
#23
90
/ 100
★★★★★
4(5,800 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit WagmoFull Review
#24
89
/ 100
★★★★★
3.9(1,800 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit DoggoFull Review
#25
89
/ 100
★★★★★
3.9(4,500 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit PetPremiumFull Review
#26
88
/ 100
★★★★★
3.8(900 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit PawdarlingFull Review
#27
87
/ 100
★★★★★
3.7(4,100 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit HartvilleFull Review
#28
87
/ 100
★★★★★
3.7(1,200 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit NibblesFull Review
#29
85
/ 100
★★★★★
3.6(4,800 reviews)

Excellent match for Havana Browns. 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:

respiratory infectionsdental diseasehypertrophic cardiomyopathyurinary tract disease+1 more
Visit 24PetprotectFull Review
#30
48
/ 100
★★★★★
3.8(1,100 reviews)

Consider alternatives with stronger hereditary condition coverage for Havana Browns.

✗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 Havana Browns.

✗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: respiratory infectionsNot covered: dental disease
Visit Companion ProtectFull Review

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