Pet insurance for your Ragdoll cat.

  • Comprehensive Lifetime Ragdoll insurance up to £15,000

  • Unlimited free video vet calls

  • Dental included as standard

A ragdoll kitten sitting in their owner's lap.

Protect your pet with comprehensive coverage.

You might be worried about unexpected vet bills for your Ragdoll cat, especially if you’ve heard about some of the health issues Ragdolls can experience.

It’s common to fret about pet insurance being complicated or pricey, and no one wants to struggle alone when a cherished feline needs help.

If you’re looking for a simpler option that keeps your sweet, affectionate fluff ball safe, you’re in the right place. A Ragdoll cat insurance plan can let you relax and enjoy kitty cuddles.

A ragdoll cat peeking out from under a blanket.

Why a Lifetime plan matters for Ragdoll cats.

Different types of cat insurance

Not all insurance policies are built the same. Some stop supporting a condition once a cash limit is reached, others are accident-only.

Here’s a glance at the main different types of cat insurance:

Insurance type

Coverage details

Possible drawbacks

Time-limited

Pays for an illness or injury for a set time (e.g. 12 months)

If the time is up, or the money limit is reached, you might be left to handle further costs by yourself

Maximum benefit

A total pot of money per condition, used until exhausted

Once the pot empties, you won’t have help if that same condition crops up again

Accident-only

Only covers accidents—not diseases or breeding issues

Leaves you without support for issues like kidney disease or dental disease common in certain breeds

Lifetime (Waggel’s approach)

The vet fees limit renews every year, so your Ragdoll can receive ongoing coverage with no key cut-offs (perfect for big bills)

Usually has a monthly or yearly premium; you decide coverage levels and excess that suit your budget

Waggel prefers Lifetime policies, so you never need to switch or panic if your cat gets ill again later. For a broader look at choosing a policy, see our article on the ins and outs of pet insurance.

Common health issues in Ragdolls.

Ragdoll cats are often described as docile and relaxed, but they can experience certain health conditions and challenges:

Condition

Average treatment cost (GBP)

About the condition

Hypertrophic cardiomyopathy (HCM)

£600–£1,200 (diagnostics)

Heart muscle thickens, restricting blood flow; more common in certain breeds including Ragdolls

Polycystic kidney disease

£400–£1,200 (tests/treatment)

Fluid-filled cysts in the kidneys; can progress to kidney failure if untreated

Dental disease

£200–£700

Can involve cleaning, extractions, or lifelong management if gum disease sets in

Furball or GI issues

£100–£500 (vets + medication)

Hair ingestion can lead to blockages; this can escalate if your Ragdoll has a silky coat that sheds often

Obesity-related concerns

£150–£450 (assessments)

Ragdoll is a large cat, so extra pounds can strain joints and predispose them to other issues


(Cost of Ragdoll pet insurance in the UK with monthly cost of £12.00 on average)

Note: Costs are approximate and can vary based on location and specific veterinary practices.

If you compare a typical surgery bill to a £12 monthly fee, you can see it’s cheaper in the long run.

A ragdoll cat licking his lips whilst laying on a bed.

Waggel’s insights.

Many Ragdoll owners pick this breed for its easy-going nature and sweet personality, and they want to give their furry friend the ideal lifestyle. Ragdoll cats make superb companions, but conditions like HCM or polycystic kidneys can arise.

Waggel offers a Ragdoll cat insurance structure that addresses these recurring or long-term issues by refreshing coverage each policy year.

That means you won’t be stuck footing the bill for extended medication or future scans if your cat falls ill again.

Choosing the right plan for your Ragdoll.

1. Check for membership benefits. Some insurers only pay claims; Waggel tosses in perks like free nutrition consultations. This can be handy if you need guidance on how to feed your Ragdoll or keep them at a healthy weight.

2. Consider the cost of extras. A Ragdoll is generally a healthy cat breed, but if something big happens, you might face hefty bills. Make sure you have coverage that won’t time out.

3. Be mindful of changes over time. If your cat gets older, chances of issues like kidney disease rise. A plan that continues coverage after each renewal can help you keep your kitty safe.

4. Ask about pre-existing conditions. If your kitten had an issue before you got coverage, talk with your insurer. They might consider it an exclusion, so our guide to pre-existing conditions might be helpful.

4. Keep your cat entertained. Indoor cats like the Ragdoll can do well with toys, scratching posts, and safe window perches.

A ragdoll kitten laying on her back on a cushion.

Why Waggel for your Ragdoll cat?

We only provide one type of policy: Lifetime. This means if your Ragdoll faces an illness or injury one year, the coverage can renew the next.

We also provide:

Adjustable limits & Claim Contribution: Tweak your coverage and budget to suit you.

Zero excess option: You can decide to set your Excess as low as £0 or up to £500 if you prefer lower monthly insurance costs.

Dental cover: Many cat owners don’t realise how crucial it is for a pedigree cat with a big appetite or genetic predisposition.

Time-saving digital platform: Experiencing a medical emergency is stressful enough, so we’ve cut the paperwork out.

Personal customer champions: There’s a real person assigned to help you navigate any questions or claims.

A ragdoll cat laying on a mossy rock.

Ragdoll cat insurance that lasts a lifetime.

Flexible limits and Excess

Adjustable Annual Limit and Excess to suit your coverage and budgetary needs. It's just one of our many unique features and helps you to take control of your pet's policy.

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A sleeping cat with a heart above its head

Complete coverage

We'll cover your vet fees up to the limits selected. This includes consultation fees, diagnostics, procedures, surgery and medication.

A tube of toothpaste being squirted

Dental included

We cover treatment costs associated with dental-related accidents and illnesses up to £1,000.

Ready to get Ragdoll cat insurance?

If you’ve decided it’s time to cover the cost of possible medical surprises and invest in pet insurance for your Ragdoll, come visit our home page or go straight to get a quote. We’ll help you find a Lifetime plan that fits your kitty’s lifestyle.

You’ll have a reliable safety net for unexpected costs, plus membership benefits that encourage your cat’s best health.

Whether it’s a young kitten or a mature cat, you deserve the confidence that you can offer them top-notch care.