How Much Does Bengal Pet Insurance Cost?
An adult Bengal typically costs $24 to $33/mo to insure on a standard accident + illness plan. That's about 17% above the average cat, which runs $22 to $26/mo. Adjust the estimate for your pet below.
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Why Bengals cost what they do
Insurers price each breed by how much they expect to pay out in claims. For the Bengal, the conditions that drive the math are: hypertrophic cardiomyopathy (HCM); progressive retinal atrophy; sensitive digestion. Those conditions mean more frequent and more expensive vet visits, and that shows up directly in the monthly price.
Bengal insurance cost by age
| Age | Typical monthly cost |
|---|---|
| Under 1 year | $23 to $31/mo |
| 1-3 years | $24 to $33/mo |
| 4-6 years | $30 to $41/mo |
| 7-9 years | $43 to $59/mo |
| 10+ years | $55 to $75/mo |
Age is the biggest price driver after breed. Insuring young and keeping the policy avoids the steep senior pricing tiers, and it locks in coverage before any conditions count as pre-existing.
How the Bengal compares
| Breed | Adult monthly cost |
|---|---|
| Bengal | $24 to $33/mo |
| Maine Coon | $26 to $34/mo |
| Abyssinian | $26 to $34/mo |
| Persian | $26 to $33/mo |
| British Shorthair | $22 to $34/mo |
| Ragdoll | $23 to $29/mo |
| Devon Rex | $22 to $29/mo |
| Domestic Shorthair | $20 to $25/mo |
| Siamese | $18 to $28/mo |
| Russian Blue | $18 to $29/mo |
For reference, a domestic shorthair runs $20 to $25/mo. Mixed ancestry means fewer hereditary conditions, so insurers expect fewer claims.
Frequently asked
How much is pet insurance for a Bengal?
An adult Bengal typically costs $24 to $33/mo for accident + illness coverage with a $500 deductible and 80% reimbursement. That's about 17% above the average cat, which runs $22 to $26/mo.
Why does a Bengal cost more to insure?
Insurers price breeds by expected claims. For the Bengal, the main drivers are: hypertrophic cardiomyopathy (HCM); progressive retinal atrophy; sensitive digestion.
How does age change the premium?
Premiums roughly double between early adulthood and age 8. For a Bengal: under 1 year: $23 to $31/mo; 1-3 years: $24 to $33/mo; 4-6 years: $30 to $41/mo; 7-9 years: $43 to $59/mo; 10+ years: $55 to $75/mo.
Sources
This estimate is triangulated from 2 published premium tables (MoneyGeek: Average Cost of Pet Insurance for Cats; SmartPetCover: Cat Insurance Costs) anchored to typical quoted base rates. Confidence: triangulated across independent sources. Full model on the methodology page.
Data last verified: 2026-08-15