Exotic Pet Insurance: Key Facts Every Owner Should Know
Owning a pet can be expensive if they get sick. If you own an exotic pet, the cost can be much higher since most veterinarians don’t have the necessary training to take care of them. Reptiles, birds, snakes, and other unique or exotic animals require specific consideration. Exotic pet insurance will help lower the cost of their care if they become sick or injured. This includes diagnostic tests, surgery, treatment, and various types of medication.
How Does Exotic Pet Insurance Work?
Exotic pet health insurance is similar to other types of pet insurance. Plan premiums will differ depending on the type of animal, its age, and its general health. In most cases, you will pay the fees charged by the veterinarian. Once you turn in the receipt from the veterinarian to your insurance agent, you will be reimbursed for all or a percentage of the total bill. Most policies will treat illnesses and injuries, including wellness exams and immunizations.
How Much Does It Cost?
Exotic pet insurance is only available from one company in the United States. The premiums you will pay for this type of insurance are normally higher than regular pet insurance. Part of the reason for this is that exotic pets require specialized care from a vet who is trained to provide it. The type of pet you have will play a role in how much your insurance premiums are. Exotic pets usually are more expensive to purchase. It stands to reason that their daily needs and medical care will also be costlier.
Which Exotic Pets Are Covered?
Exotic pets are usually those that aren’t considered domesticated. These include lizards, mice, snakes, hedgehogs, chinchillas, ferrets, potbellied pigs, and ferrets. Many of these pets have become more popular over the years but still require a level of care that many veterinarians can’t provide. Before buying an exotic pet, look for a vet capable of caring for it.
What Expenses Does Exotic Pet Insurance Cover?
Exotic pet insurance covers most medical expenses incurred when caring for your animal. This includes wellness visits, various types of testing, hospitalization, surgery, and other types of treatment. With exotic pets, the cost of their care can be more expensive than with other animals. Urgent care can be easy to find near a larger city.
What’s Excluded?
Just like with most other types of health insurance, pre-existing conditions will not be covered. Everyday expenses like food, bedding, treats, and other necessities should be covered. Exotic animals often require specific food and habitat supplies, which may be more expensive than domestic pets. You must have a good understanding of your pet’s needs before investing the money.
Protect Your Unique Companion with Jack Stone Insurance Agency
Owning an exotic pet can be fun and exciting. It can also be expensive. If you have questions about exotic pet insurance, contact us at Jack Stone Insurance Agency professionals. We have the answers to all your questions and can work with you to ensure you get the type of pet insurance you need to be sufficiently covered.
