The Best Exotic Pet Insurance (2022 Guide)

In this article: What is Exotic Pet Insurance? | What does exotic pet insurance cover? | Exotic Pet Insurance Cost | The essential | FAQs | Methodology

Pet insurance provides financial protection against costly veterinary bills and peace of mind that your pet will receive care if they are sick or injured. Unfortunately, many of the best pet insurance companies only cover dogs and cats, not exotic pets.

We at the Home Media Critics Team have researched best pet insurance companies and surveyed 1,000 pet owners to find the best exotic pet suppliers. Here is our main recommendation.

What is Exotic Pet Insurance?

Exotic pet insurance works the same way as typical insurance pet insurance plan. Plans typically cover costs related to your pet’s accidents and illnesses, such as veterinary exam fees, lab work, and X-rays. Unlike human health insurance, you pay your vet directly at checkout and receive reimbursement from your provider later.

The main difference between standard pet insurance and exotic pet insurance is the type of animal covered. Below are common pets found in a pet insurance company‘s “exotic” category:

  • amphibians
  • bearded dragons
  • Birds
  • Chameleons
  • Chinchillas
  • Ferrets
  • Gerbils
  • Goats
  • Guinea pigs
  • Hamsters
  • Hedgehogs
  • iguanas
  • Lizards
  • Mouse
  • Other Reptiles
  • Pigs
  • Rats
  • Rabbits
  • Snakes
  • sugar gliders
  • turtles
  • turtles

What does exotic pet insurance cover?

Exotic pet insurance policies cover similar procedures and treatments as for cats and dogs. This means reimbursement for common health issues for reptiles, birds, rodents and more. As with typical pet insurance, coverage only covers accidents and illnesses. Preventative care, such as routine visits to the vet, is not covered. Pre-existing conditions are also excluded.

Here are some of the things covered by exotic pet insurance:

  • Accidental injuries
  • Chronic diseases
  • Common illnesses
  • Hereditary problems
  • Hospitalization procedures
  • lab work
  • Serious diseases

How much does exotic animal insurance cost?

Exotic animal insurance costs the same as standard pet insurance. The monthly premium can vary from $10 to $100. The type of animal you wish to cover, your location, reimbursement percentage, deductible, welfare supplements, age and breed of animal all influence the price.


The Bottom Line: Should I Get Exotic Pet Insurance?

Exotic pet insurance helps you avoid costly veterinary bills when your pet gets sick or injured. It could even save your pet’s life in an emergency, so you don’t have to worry about out-of-pocket costs for necessary surgery. Although it has a monthly cost, there are many cheap pet insurance companies to match your budget.

Currently, only National Pet Insurance provides coverage for exotic pets. We recommend that you compare several pet insurance companies if you own a dog or a cat.

National Pet Insurance

Known for its work in the auto insurance industry, Nationwide offers an avian and exotic pet plan. This plan covers most types of birds and exotic animals, such as parrots, rabbits, turtles, and hedgehogs. However, the company does not share cost information for the avian and exotic pet plan online.

National Pet Insurance covers up to 90% of the costs of covered illnesses and accidents, including veterinary exams, hospitalization, medication and more.


Frequently Asked Questions About Exotic Pet Insurance

Methodology: Our Ranking System of the Best Pet Insurance Companies

Our review of pet insurance companies is based on extensive industry research that includes reading hundreds of customer reviews, simulating the quote and buying process, talking to representatives by phone to rate customer service experience and survey of 1,000 dog and cat owners nationwide to determine the most important elements of pet insurance coverage.

We rated each vendor on a 100-point scale based on these elements. We then divided the points earned for each vendor’s final score on a 5-point scale.

Here are more details on each factor and how they are weighted:

  • Monthly fee (25 points): The amount each company charges for their pet insurance plans is an important part of a customer’s decision. The best pet insurance companies combine comprehensive coverage and plan options with affordable rates.
  • Diets (15 points): Major pet insurance companies offer accident and sickness insurance plans, accident-only plans, and wellness or preventative care supplements to give customers the flexibility to choose a plan. that is best for their pet.
  • Treatments covered (15 marks): With this factor, we rated companies based on the treatments and procedures they cover. Companies with a wide range of included treatments and unique coverages received more points than providers with more standard or general policies.
  • Customization options (10 points): Customizing your policy is a valuable way to ensure that you only pay for what your pet needs. Providers with more annual limit, deductible and reimbursement rate options scored higher.
  • Customer service (10 points): We rated companies on the accessibility and overall usability of their website, availability of customer service, mobile apps (if available), money back guarantees and veterinary telehealth options, awarding points to insurers with more customer experience offers.
  • Industry reputation (10 points): To determine each company’s reputation in the industry, we reviewed up-to-date ratings and accreditation information from the Better Business Bureau (BBB) ​​and rated companies on their years of industry experience and their availability in the state.
  • Waiting times (10 points): Companies with shorter accident, sickness and orthopedic wait times between the date of enrollment and the start date of coverage scored higher than companies with longer waiting times. longer waits.
  • Eligible age (5 points): Some companies don’t offer policies for pets over a certain age. We have deducted points from providers who have age limits for covered pets.

We use our rating system to compare and contrast each company on key factors to help us determine the best pet insurance companies in the industry. Additionally, we keep our research up-to-date and review our reviews regularly.

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