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Best Pet Insurance for LaPerms

small breed10–15 years lifespan~$650/yr vet costs

The LaPerm is a curly-coated cat breed that originated from a spontaneous mutation in a litter of barn cats in Oregon in 1982. Linda Koehl noticed a bald kitten that grew in a curly coat — and the LaPerm breed was born. The name reflects the breed's signature perm-like curls, which range from loose waves to tight ringlets and are found in both shorthaired and longhaired varieties. LaPerms are active, curious, and affectionate — they love people and are particularly known for seeking eye contact and gentle physical closeness. Their foundation in random-bred cats gives them excellent genetic health. LaPerms are relatively rare but are gaining recognition for their combination of unusual appearance, good health, and engaging personality.

Best Pet Insurance for LaPerms (Ranked)

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

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+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 LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit Healthy PawsFull Review
#3
95
/ 100
★★★★★
4.5(22,100 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit LemonadeFull Review
See All 31 Providers Ranked for LaPerms →

LaPerm Health Risks & Conditions

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

Hypertrophic Cardiomyopathy (HCM)

low risk

LaPerms have relatively low HCM prevalence — the breed's outcross history (they are developed from random-bred barn cats with curly coat mutations) provides genetic diversity that reduces hereditary disease concentration. Annual cardiac screening ($300–$600) from age 4–5 is recommended.

Treatment cost:$600–$5,000

Dental Disease

moderate risk

LaPerms have average domestic cat susceptibility to periodontal disease. Annual professional dental cleanings ($400–$800) are recommended.

Treatment cost:$400–$1,800

Urinary Tract Disease

low risk

LaPerms have standard feline FLUTD risk consistent with domestic cats generally. Urinary blockage in males remains an emergency ($1,500–$3,000).

Treatment cost:$300–$2,500

Coat and Skin Sensitivity

moderate risk

LaPerm kittens are typically born hairless and develop curly coats — the coat cycle can cause temporary thinning in adults (especially females during hormonal cycles or after kittening). Skin sensitivity under sparse coat during these phases requires monitoring for sun damage and infections. Veterinary treatment of skin issues costs $150–$400 per episode.

Treatment cost:$100–$800

Hyperthyroidism

low risk

Age-related hyperthyroidism affects LaPerms as it does all aging cats. Annual senior bloodwork from age 7–8 onward ($200–$400) enables early detection. Treatment with daily methimazole ($50–$80/month), radioiodine ($1,500–$2,000), or surgery.

Treatment cost:$400–$5,000

What to Look for in LaPerm Pet Insurance

LaPerms are among the healthier cat breeds due to their outcross foundation genetics. Insurance needs are modest. Primary concerns are HCM coverage, dental illness, and good senior care benefits. Look for competitive premiums for a healthy breed with no upper age renewal cutoffs. Top picks: Healthy Paws (affordable unlimited for healthy breeds), Figo (comprehensive at good value), Embrace (dental illness add-on, hereditary coverage).

LaPerm Quick Stats

📅
10–15 years
Life expectancy
💰
$650/yr
Avg vet costs
📊
#42
Most popular
⚠️
5
Key health risks

Common LaPerm Health Conditions

⚠️ hypertrophic cardiomyopathy⚠️ dental disease⚠️ urinary tract disease⚠️ coat and skin issues⚠️ hyperthyroidism

All Providers Ranked for LaPerms

#4
95
/ 100
★★★★★
4.5(31,200 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit Pets BestFull Review
#5
95
/ 100
★★★★★
4.5(11,300 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit FetchFull Review
#6
95
/ 100
★★★★★
4.5(7,400 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit PumpkinFull Review
#7
94
/ 100
★★★★★
4.4(9,800 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit SpotFull Review
#8
94
/ 100
★★★★★
4.4(14,600 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit TrupanionFull Review
#9
94
/ 100
★★★★★
4.4(15,800 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit MetLifeFull Review
#10
93
/ 100
★★★★★
4.3(25,600 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit ASPCAFull Review
#11
93
/ 100
★★★★★
4.3(9,600 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit FigoFull Review
#12
93
/ 100
★★★★★
4.3(3,100 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit AnimaliaFull Review
#13
92
/ 100
★★★★★
4.2(2,400 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit KanguroFull Review
#14
92
/ 100
★★★★★
4.2(3,600 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit Physicians MutualFull Review
#15
91
/ 100
★★★★★
4.1(12,900 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit NationwideFull Review
#16
91
/ 100
★★★★★
4.1(4,200 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit OdieFull Review
#17
91
/ 100
★★★★★
4.1(3,800 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit Prudent PetFull Review
#18
91
/ 100
★★★★★
4.1(3,200 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit TotoFull Review
#19
90
/ 100
★★★★★
4(8,200 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit AKCFull Review
#20
90
/ 100
★★★★★
4(5,600 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit CarePlusFull Review
#21
90
/ 100
★★★★★
4(6,800 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit PetPartnersFull Review
#22
90
/ 100
★★★★★
4(2,900 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit TrustedPalsFull Review
#23
90
/ 100
★★★★★
4(5,800 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit WagmoFull Review
#24
89
/ 100
★★★★★
3.9(1,800 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit DoggoFull Review
#25
89
/ 100
★★★★★
3.9(4,500 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit PetPremiumFull Review
#26
88
/ 100
★★★★★
3.8(900 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit PawdarlingFull Review
#27
87
/ 100
★★★★★
3.7(4,100 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit HartvilleFull Review
#28
87
/ 100
★★★★★
3.7(1,200 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit NibblesFull Review
#29
85
/ 100
★★★★★
3.6(4,800 reviews)

Excellent match for LaPerms. 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 cardiomyopathydental diseaseurinary tract diseasecoat and skin issues+1 more
Visit 24PetprotectFull Review
#30
48
/ 100
★★★★★
3.8(1,100 reviews)

Consider alternatives with stronger hereditary condition coverage for LaPerms.

✗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
36
/ 100
★★★★★
3.8(2,200 reviews)

Consider alternatives with stronger hereditary condition coverage for LaPerms.

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

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