Bird insurance might not be something you’d typically consider taking out since pet insurance is more commonly bought for cats and dogs. That being said, if you have any avian animals in your home, you should certainly consider the many brands available for high-quality and affordable premiums.
What is Bird Insurance?
The type of policy you’ll need depends on the bird. Some birds, like parrots, are defined as exotic creatures and therefore require exotic pet insurance, as typical parrot insurance doesn’t tend to exist. Domesticated parrots, as well as other birds, tend to have longer lifespans than dogs and can often surpass their life expectancy by quite the number of years. The African Grey, for example, can live well over 60 years. While it might not have been at the top of your list, bird insurance is certainly something you should invest in if you have or intend to keep birds in your home.
Bird insurance works in the same way as policies that protect other animals and there are numerous providers and tailored policies available for insuring your winged buddy. Whether you want help with vet bills, compensation for theft, or public liability protection, a flexible policy can be chosen to cover all this and more. The more comprehensive policies are the ones that will come at the highest price, so you’ll need to decide what insurance your bird actually needs and whether it requires all types of coverage.
Top 3 Bird Insurance in 2019
What Does Bird Insurance Cover?
Buying your bird pet insurance covers them from a whole range of issues. What you choose to include in your policy depends entirely on your budget, though avian pet insurance doesn’t tend to cost as much as typical pet health insurance does. Protecting your bird with an affordable policy is more achievable than securing one for a dog since dogs don’t live as long and tend to face more health complications. Typically, plans can cost as little as $5 and upwards for bird insurance, depending on what you intend to cover. Some of the main points of coverage are death, theft, healthcare, and public liability.
Mortality: Should your pet bird pass away, your policy can payout to help you cover any following expenses. The full mortality insurance will pay out in the event of accidental death, injury, or illness, but a limited policy will only cover certain causes like a fire in the home.
Theft: In the event that anyone was to steal your bird, a policy that includes theft will provide cash reimbursement upon an agreed insurance value. This can also come as a part of medical and mortality policies.
Medical: Paying vet bills is hard enough but without insurance, you’re left to cover the full cost on your own. Insurance for birds can help pay for jabs, medication, and treatment. As birds tend to live quite long, there’s a good chance you’ll need the help of a vet several times over its life.
Public Liability: If you take your bird to public places or it spends time around other people, you’ll want to make sure that you’re covered in the event of the bird harming someone. This will also cover you in the event that the bird has an accident of its own.
Common Health Issues Bird Insurance Should Cover
Domesticated birds live a lot longer than those in the wild but they’re still prone to a lot of the same diseases and health conditions. Some of the most common problems in birds can be found below.
Proventricular Dilatation Disease: PDD is a progressive disease that can often be fatal in birds. It can affect a bird’s central nervous system and causes paralysis, before eventually leading to death. PDD will require a lot of treatment to help your bird fight the disease as none at all would certainly lead to death.
Psittacosis: Also known as parrot fever, psittacosis is an infectious disease that can also affect humans. About half of all birds that contract the disease will die, but there is treatment available to cure your bird and prevent it from spreading the virus onto humans.
Polyomavirus: Another deadly disease, the polyomavirus is a problem for all caged birds, particularly parrots. With this virus, it’s usually young birds that are the most affected, and the results are often fatal. It attacks a bird’s organs and body parts and can begin quite aggressively. Though there is no particular treatment for polyomavirus, ensuring you get the correct support and advice from your vet is important to giving your bird the care it needs.
Is Bird Insurance Worth It?
To put it bluntly — if you care about your pet, whether you have a bird or a dog or a cat, you should take out an insurance policy. You’re going to need that support in the event they get ill or have an accident, as without insurance there’s a good chance the bills might be unaffordable.
Insurance is worth it when it comes to protecting any of your possessions. You’d want that reassurance if your home was broken into or if your car was stolen, so it makes sense to protect your feathered companion too. It’s important to balance the needs of your bird with what you can afford to spend on insurance as choosing the most comprehensive package might set you back a fair bit. Factors like age and pre-existing health conditions should always be considered when investing in exotic bird insurance.
When it comes to protecting your parrot or keeping your cockatoo chirping, you’re going to want the added financial support of an insurance policy. If you protect yours and your family’s lives with insurance, you might want to give the same gift to your bird. Policies can be tailored to suit your requirements and usually start at a really low price.