Exotic Pet Insurance: Everything You Need to Know


Let’s talk about exotic pet insurance and everything you need to know about exotic pet insurance.

Let’s talk about exotic pet insurance and everything you need to know about exotic pet insurance.

Do you keep a lizard, a bird, or some other unusual animal as a pet? Purchasing health insurance for your pet might assist you in maintaining its good health and happiness.

The majority of people have the misconception that pet insurance is only for animals like dogs and cats. However, if you own an exotic animal of any kind, such as a bird, reptile, or any other kind, you should think about purchasing insurance for it.

The American Veterinary Medical Association estimates that almost 8 million American households are home to at least one bird kept as a pet.

It is common for exotic pets, such as birds, reptiles, and pocket pets, to call for specialized medical treatment. As a result, the veterinarians who treat these creatures are typically experts who have completed extensive additional training. In animal health care, as well as human health care, it is anticipated that more specialized specialists and more advanced equipment will incur higher costs.

When a pet gets sick or injured, there are a lot of expenses that come along with it, including diagnostic testing, treatment, surgery, and many more. Insurance can help pay for some of these expenses.

When looking for insurance for your exotic pet insurance, here are some things you should keep in mind:

How Does The Insurance For Exotic Pets Work?

The coverage provided by exotic pet health insurance is comparable to that of traditional pet health insurance. In general, you pay a monthly payment to the insurance provider, and in exchange, they agree to cover the cost of any necessary veterinary medical care that your pet requires.

The specifics of the plans vary depending on a few different circumstances, but in general, this is how it works. Typically, you will pay the veterinarian at the time that the service is rendered, and the insurance company will repay you a sum or percentage that has been previously agreed upon.

The type of exotic pet being covered, the age and health status of the creature, as well as the plan that you select are some of the elements that might affect the cost of the insurance premium for an exotic pet.

Injuries and illnesses, as well as yearly checkups, laboratory work, diagnostic testing, prescription medicine, and hospitalization, are all things that are covered by these plans. 

In the event that an unexpected circumstance arises, you will want to have a plan in place so that you can give your full attention to the treatment of your pet rather than worrying about how you will pay for it.

Hint: A helpful hint is to look into purchasing pet insurance while your animal companion is still in good health. This will ensure that there are no pre-existing diseases that could cause you to be denied coverage.

Exotic Pet Insurance: What is The Price Tag Attached To It?

At the moment, only Nationwide provides insurance coverage for unusual pets.

You can request a price by dialling 1-888-899-4874 or accessing additional information through the website it is hosted on.

You may be eligible for a reduction in the cost of veterinary care for your bird, monkey, or even llama if your workplace includes Pet Assure as part of the employee benefits package it provides.

Which kinds of animals are included?

In general, coverage under exotic pet insurance extends to the following:

  • Birds
  • Iguanas
  • Amphibians
  • Hedgehogs
  • Mice
  • Ferrets
  • Goats
  • Turtles
  • Sugar gliders
  • Potbellied pigs
  • Chinchillas

What Expenses Does Exotic Pet Insurance Cover?

In addition to regular checkups and preventative care, these plans will pay for diagnostic testing and treatment in the event of an illness or injury, as well as any necessary laboratory bills and hospitalization.

There is a good chance that exotic pets will benefit the most from a health insurance plan that covers serious illnesses and accidents. 

When these types of emergencies arise, the expense of providing emergency medical care for exotic pets can be quite significant. 

This is especially true when specialized veterinary care and hospitals, advanced tests, and hospitalization are required.

What cannot be included?

Any pre-existing conditions that the exotic pet may have had previous to the time the insurance policy was purchased are normally not covered by the policy.

This indicates that if your exotic pet is currently suffering from a disease or injury, the policy you purchase will probably not cover any future medical costs related to that illness or injury. If your pet is already ill or injured, however, the policy may cover certain costs.

Other costs associated with the treatment of pets that are often not covered by exotic pet health insurance include as follows:

  • Grooming, bathing, or caring for the nails and beak
  • Food
  • Habitat supplies
  • Boarding fees

There is a possibility that there are some exemptions to these prohibitions, most notably in the case where the necessary care was prescribed by a veterinarian or the required material was a prescription.

As a helpful piece of advice, before acquiring an exotic pet insurance plan, always verify which services and items will be covered.

Obtaining Insurance For Your Exotic  Pet

Care for fur-free animals is a little tougher to find than care for typical pets because not all veterinarians provide it, nor do all pet insurance companies cover it. This makes it more expensive for fur-free animals to be kept as pets. 

Nationwide is the most popular source of pet insurance for reptiles and amphibians, including coverage for turtles, chameleons, and iguanas, among other reptiles and amphibians. Pet Assure and Prime Insurance are just two examples of more modest insurance providers that provide coverage for reptiles and other so-called “exotics.”

These insurance providers will cover a good number of animal species amongst them, but they won’t cover the zoo on its whole. Insurance companies, as you might anticipate, will not provide coverage for unusual or dangerous animals that you are not permitted to own by law, such as toxic, endangered, or threatened species. “species that are kept in flocks (chickens, pigeons, etc.) and hybrids of domesticated pets with a wild or non-domesticated animal” are also not allowed, according to Francies.

Accidents and illnesses are covered under the fundamental insurance plans. You will be required to pay additional fees if you want your pet to be insured for normal medical care. Insurance policies for exotic animals operate in this and other respects in the same way that policies for domesticated cats and dogs do. 

Your monthly premium for pet insurance will fluctuate in price depending on the deductible that you select (typically ranging from $250 to $1,000) as well as the percentage of the co-pay that you choose (typically 20%, with 10% and 30% also being common options). Generally speaking, deductibles range from $250 to $1,000.

Frequently Asked Questions on Exotic Pet Insurance

How much does it cost to insure a reptile as a pet?

The costs of insurance for fish and reptiles are significantly lower than those for other types of pets. For instance, coverage for a reptile with Nationwide can cost only $9 per month on average. This is a fraction of the monthly rates for dogs and cats, which are approximately $60 and $30, respectively.

Can you insure exotic animals?

It will not be easy to locate a variety of insurance packages that will cover your exotic or avian pet. Nationwide Insurance, on the other hand, provides coverage for all kinds of pets, including comprehensive plans for both cats and dogs. They are the only insurance company in the United States that provides coverage for birds and exotic pets. The plan that they offer is referred to as the Avian and Exotic Pet Plan.

Does Petplan cover exotic pets?

Plans offered on a national scale provide protection for dogs, cats, birds, and exotic pets against a wide range of medical issues and disorders that can be caused by accidents, illnesses, and injuries.

Dr. Cynthia Ford

Hey, I am Dr. Cynthia Ford an absolute gem of a Veterinarian. Bringing to Petcarely decades of experience. I’ve got an overflowing talent and passion for breeding and taking care of pets(all kinds of pets), educating/guiding their owners, and building responsible pet owners. My goal is to give pets all over the world a better life and to recommend the best tips, advice, and product(s) to every pet owner.

Recent Posts