Most pet insurance companies cover only cats and dogs, but pet owners who prefer other types of furry, feathered or scaly friends may want pet insurance, too.
If you’re sharing your home with pets like a cockatoo, chinchilla, bearded dragon or pot-bellied pig, you may want to consider getting exotic pet insurance.
What is Exotic Pet Insurance?
Exotic pet insurance is a health insurance policy for your exotic pet that pays for veterinary expenses. This includes exotic pets such as amphibians, birds, fish, reptiles and small mammals.
Types of Exotic Pet Insurance
Nationwide pet insurance offers an avian and exotic pet accident and illness pet insurance plan. This type of plan covers vet bills for accidents (such as soft tissue trauma) and illnesses (such as feather loss or arthritis).
Exotic pet insurance from Nationwide is reimbursement-based: You’ll pay upfront for your exotic pet’s vet bills and submit a claim to your pet insurance company. If your vet expenses are covered by your policy, your insurer will reimburse you.
Featured Partner Offers
1
Nationwide
Unlimited
50%, 70%, 90%
$250
What Does Exotic Pet Insurance Cover?
Exotic pet insurance from Nationwide covers veterinary expenses for accidents such as:
- Broken bones
- Soft tissue trauma
- Sprains
- Lacerations
- Poisoning
It covers veterinary bills for illnesses such as:
- Allergies
- Arthritis
- Cancer
- Diarrhea
- Ear infections
- Eye injuries
- Feather picking/loss
- Foreign body ingestion
- Internal parasites
- Mouth rot
- Overgrown teeth
- Upper respiratory infection
And an exotic pet insurance plan covers veterinary services such as:
- Avian specific diagnostic tests.
- Diagnostic tests such as blood tests, biopsies, radiographs and urinalysis.
- Hospitalizations.
- Prescription medication.
- Treatments.
- Surgeries.
Does Exotic Pet Insurance Cover Routine Care?
Exotic pet insurance from Nationwide does not cover routine care. Pet wellness plans typically cover routine care costs such as annual vet exams and vaccinations.
You may be able to find a wellness plan for routine care for exotic pets as a stand-alone plan. For example, Pet Assure’s “Mint Wellness” plan covers vet exam fees and other types of expenses for all types of pets, including exotic pets.
What Exotic Pet Insurance Doesn’t Cover
Common exotic pet insurance exclusions include:
- Boarding or transport expenses.
- Breeding costs.
- Congenital or hereditary defects or diseases.
- Costs unrelated to veterinary care.
- Diseases preventable by vaccines.
- Elective procedures such as wing clipping and nail trims.
- Food and supplements such as vitamins.
- Orthodontics.
- Pre-existing conditions, which are injuries or illnesses that happened before you purchased an exotic pet insurance plan.
- Routine care, examinations and vaccinations.
- Surgical removal of reproductive organs, expression or removal of scent glands.
Certain types of exotic pets are not covered, including:
- Any species that requires a license, permit or registration by federal or state law.
- Any species that is illegal to own by federal or state law.
- Endangered or threatened species.
- Hybrids of domesticated pets with a wild/non-domesticated species.
- Species that are kept in flocks or on display.
- Venomous or poisonous species.
How Much Does Exotic Pet Insurance Cost?
Exotic pet insurance from Nationwide generally costs less than $21 a month, according to the company’s website. Your own exotic pet insurance costs will depend on factors such as:
- Type of pet.
- Annual coverage amount.
- Where you live.
Is Pet Insurance for Exotic Animals Necessary?
Pet insurance for exotic animals is not necessary, but it’s a good way to cover unexpected veterinary bills. For example, if your pot-bellied pig ingests a foreign object, emergency surgery could cost you thousands of dollars at the vet. Without pet insurance, you would have to pay the vet bills out of pocket.
The best way to determine if pet insurance is worth it is to consider how a major vet bill would impact your personal finances versus the annual cost of an exotic pet insurance plan.
Find The Best Pet Insurance Companies Of 2024
Exotic Pet Insurance Frequently Asked Questions (FAQs)
How much is Nationwide exotic pet insurance?
Nationwide exotic pet insurance costs about $21 per month, according to the company’s website.
Your exotic pet insurance costs will depend on factors such as the type of pet you have, your coverage levels and where you live.
How does exotic pet insurance work?
Exotic pet insurance, like most regular pet insurance, is reimbursement-based. You’ll pay upfront for your exotic pet’s veterinary bills and submit a claim to your insurer. If your pet’s vet expenses are covered by your plan, your insurer will send you a reimbursement payment, minus your deductible and coinsurance.
When should I buy exotic pet insurance?
The best time to purchase exotic pet insurance is as early as possible. That’s because you want to buy a plan before your pet develops any conditions. Exotic pet insurance generally doesn’t cover any pre-existing conditions that started before your coverage began.
You can ask Nationwide to review your pet’s pre-existing condition and, if it has been cured, it may be added to your coverage.
Do you need pet insurance for a rabbit?
If you’re not sure if you need pet insurance for a rabbit, ask yourself how a major vet bill would impact your finances. If you want coverage for medical emergencies for your rabbit, then exotic pet insurance may be a good option. It covers accidents and illnesses and pays for vet expenses such as diagnostic tests, surgeries and prescription medication.
How much is exotic pet insurance for a reptile?
Exotic pet insurance for a reptile can cost around $10 per month to $17 per month, depending on the type of reptile, according to a Nationwide pet insurance rate filing in Florida that we analyzed.
For example, rates for iguanas, tortoises, turtles and small to large snakes cost $10 per month for an exotic pet insurance policy. But extra large snakes such as boa constrictors and pythons cost about $17 per month for a plan.
