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The Best Exotic Pet Insurance 2019

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Janet Johns Read below everything you need to know

It’s not just cats and dogs that can be insured. Some of us prefer the less conventional when it comes to taking care of animals. We’re not all drawn in by big endearing eyes and bonny coats of fur, after all. Scales, tapered tails, and slime trails are what excites a lot of us and as such, we need insurance for our creatures too. 

What is Exotic Pet Insurance?

Exotic pet insurance is for all the non-typical animals someone might want to bring into their home. That means geckos and gerbils, hamsters and hedgehogs, all rodents and reptiles, and even rabbits. Most rabbit diseases exist in the wild but there are still several that affect even house rabbits. All the animals that can be covered by exotic pet health insurance are those that aren’t typically considered popular, unlike dogs, cats, and horses.

Whether you have a pet frog or a goat, just how exotic your animal is doesn’t determine whether or not it needs coverage. All domestic animals will likely require medical treatment at some point in their lives, and since vets are more than happy to help almost all animals, there are plenty of exotic pet insurance companies available to choose from. Keep reading to learn more about what types of animals are covered and what to look for in the best exotic pet insurance policy.

Top 3 Exotic Pet Insurance in 2019

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What Animals can be Covered With Exotic pet Insurance?

Basically, any animal that can be deemed a pet, that isn’t offered an individual insurance policy, would fall under the bracket of exotic pet insurance. And that doesn’t just mean reptiles, like snakes and lizards, as this is usually what comes to mind with the word ‘exotic’. Since we don’t all require cat health insurance, there are plenty of companies that provide insurance to help with the costs of treatment, medication, mortality, and for all types of animals. Some of the exotic animals most typically covered by exotic pet insurance can be found below. 

Amphibians

Though they’re hardly the most popular pet, amphibians like newts and frogs can also be covered. They might be independent creatures but if you care about your amphibian friends, or if they set you back a fair bit financially, you may want to insure them.

Rodents 

The term ‘rodent’ hasn’t exactly evolved to be the most complimentary name for a species since it usually makes us think of rat kings or the London Underground. As an owner of rodents will know, the term is broad and can cover a large number of animals, some more typically domesticated than others. Pretty much any animal with perpetually growing incisors can be covered by insurance and they all fall under the exotic animal bracket. Rats, chinchillas, and even rabbits can have insurance, it all depends on whether you want to take out a policy for them. Other popular rodents that can be insured are: 

  • Ferrets 
  • Gerbils
  • Guinea pigs
  • Hamsters
  • Mice 
  • Opossums 

Reptiles

When someone mentions exotic pets, the first thing that usually comes to mind is reptiles. Snakes, lizards, and terrapins are actually quite common pets and opinions of reptiles on a whole have changed increasingly over the years. Thankfully, vets are well equipped to take care of our skin-shedding sidekicks, so reptile pet insurance is actually really easy to come by.

Reptile insurance is generally very cheap and starts at around an average of $9 a month. Just like any other animal, or human for that matter, preexisting conditions aren’t insurable, but there are plenty of levels of coverage that can help you with the cost of medication and treatment, as well as pay out for an agreed value should your reptile die. These are the most popular reptiles that people tend to insure:

  • Chameleons
  • Geckos
  • Iguanas
  • Lizards
  • Snakes
  • Tortoises
  • Turtles

Why Do I Need Exotic pet Insurance? 

Exotic pet insurance isn’t necessarily something all pet owners need, as long as you take care of your animals well. It depends entirely on the pet you choose as to whether you decide to invest in insurance. Low-maintenance and cheap animals might not be worth it, but something that can live for a lot of years and is prone to certain conditions might be good to insure. While it might seem like an unnecessary cost, an exotic pet insurance quote tends to be quite low, especially compared to coverage for animals like horses or dogs.

Depending on how passionate you are about exotic animals, the more you intend to keep, the more likely you are to need insurance. Animals like reptiles and amphibians are prone to certain diseases, some of which can be transmitted to humans, and the more you keep at home, the more exposed you’ll likely become. If you’re a serious keeper of exotic animals, you’ll definitely want to invest to make checkups, medication, and treatment much cheaper. 

Is Exotic Animal Insurance Worth It? 

As mentioned earlier, exotic animal insurance is worth it. But ‘exotic animal’ is a broad term and whether it’s worth it depends entirely on your animal. You might decide that insuring your pet hamster isn’t something you need to consider but if you own a few snakes, for example, then covering vet bills for all of those animals could wipe you out financially. 

The reason people insure animals like cats and dogs is that they tend to be quite the investment. They live for usually at least a decade, cost a fair bit, and dogs, more specifically, tend to be doomed by health ailments due to poor genetics over the last century. But that isn’t to say you shouldn’t protect other animals with insurance. If you care about your pet and you’re in it for the long haul, you might want to take them for routine checkups and get assistance with any treatments further down the line. Most cat and dog insurance companies will provide exotic animal insurance, so if you have both in your home, be sure to see what’s available for your atypical friend.