Well, pedigree animals have been known to receive more issues with their health throughout their life due to breeding and reduced gene pool.
It is the same with dogs. So much so that some animals have even developed issues due to the pedigree blood line. One breed (forgotten which, possibly Pug or variant) has breathing issues due to the folds of skin around its mouth.
It's not 100% and it is only a possibility but it can happen. Try googling siamese cat and health issues and see what you get.
From my research of Pet Insurers I would avoid going with any supermarkets. A lot of them draw you in with good deals for the first year or so and then shaft you later on. I used Moneysavingexpert forums as there is a ton of information and reviews on there. There is a company of insurance underwriters who are known to avoid. I cannot remember the name but they are notorious for not paying up.
You also want to look for policies that have payouts that are dealt with per condition, per year Rather than just "Per year". Essentially if Mittens suffers a broken leg and it costs X to fix but then later down the line suffers from further issue with the leg due to its original break - some insurers will try and get out of it saying they already paid up, etc.
I went with Argos insurance in the end. No bad reviews anywhere that I found and plenty of good. I went platinum cover (top) with both my kittehs and I think it worked out with some deals (and quidco) about £40 each for a year for them both. It's something like £5.50/6 per cat per month.
Pedigree cats give you more of an idea what to expect as their "personalities" and "traits" are breed common. For example: "siamese cat known a pure-bred Siamese is more likely to be vocal, mischievous and demanding of your attention".
If that sounds like a lof of work, find a breed of cat that is more CBA and will keep quiet!
Interesting read
here regarding Siamese cats.
A paragraph highlighted to me was this:
that website I linked said:
Inbred cats display deficiencies more frequently as the bad genes are more frequently encountered. Poor immune systems to me indicate inbreeding. On the Modern Siamese cat page I have mentioned the story of a Siamese cat lover's Siamese cat health problems. She "bought" several cats that died young (aged under 10) through poor immune systems.
Please don't get the wrong idea. What I am saying is that in my opinion there is evidence that the Modern Siamese is less healthy than the Traditional due to excessively close breeding. Of course it is to be expected that breeders will be cautious about talking about Siamese cat health problems as they run businesses. The Siamese cat has, according to Dr Clark (Medical, Genetic & Behavioral Aspects of Purebred Cats) the highest number of genetic diseases of all the purebred cats. See Genetic Diseases in Purebred Cats. It seems that the Modern Siamese is susceptible to upper respiratory infections (URIs) prior to adulthood. There are a variety of URIs. Some are just colds that pass and some can be far more serious. For a young cat some URIs can be killers and very difficult to shake off. This can lead to heartache for the person caring and a miserable life for the cat (and it hurts thinking about that). On a practical note it is also very expensive. Read about cat health issues generally or URIs in cats by clicking on these links.