Most pet insurance policies protect dogs and cats, but more families are adopting reptiles, birds, rabbits, ferrets, guinea pigs, and other exotic pets and are looking for insurance options to cover their new family members. Exotic pet insurance (which isn’t the easiest to find) covers these animals.

Currently, only one big name company offers pet insurance for rabbits, reptiles, birds, and more in the United States. Read further to learn what exotic pet insurance is and where you can get it.

Article Overview

What Is Exotic Pet Insurance & What Does It Cover?

Exotic pet insurance is similar to regular pet insurance in that it covers unexpected visits to the vet that are subject to the insurance plan you choose. These policies can include the loss of your exotic pet due to escape or theft, the death of your pet, illnesses, injuries, and more.

Exotic pets require special care that not all standard vets can offer. Your exotic pet may need a vet with specialized knowledge, which may cost more for vet visits and care. Exotic pet insurance gives you the peace of mind that if something terrible happens to your pet, you won’t face a massive vet bill during an already difficult time. Exotic pet insurance lets you make tough decisions without a second thought because your pet is covered.

Which Pet Insurance Companies Are The Best For Covering Exotic Pets?

Not all pet insurance companies offer exotic pet insurance. In fact, only Nationwide offers exotic pet insurance in the U.S. at the moment.

Below is a table of the 13 major pet insurance companies according to the North American Pet Health Insurance Association and the types of pet insurance offered by each.

  Rabbits Birds Reptiles Others Dogs Cats
Crum & Forster Checkmark Checkmark
Embrace Pet Insurance Checkmark Checkmark
Figo Pet Insurance Checkmark Checkmark
Healthy Paws Pet Insurance & Foundation Checkmark Checkmark
Nationwide Pet Insurance Checkmark Checkmark Chameleons, Geckos, Iguanas, Lizards, Snakes, Tortoises, Turtles Amphibians, Chinchillas, Ferrets, Gerbils, Goats, Guinea pigs, Hamsters, Hedgehogs, Mice, Opossums, Potbellied pigs, Rats, Sugar gliders Checkmark Checkmark
PetFirst Pet Insurance Checkmark Checkmark
PetHealth Inc. Checkmark Checkmark
Petline Insurance Checkmark Checkmark
PetPartners Checkmark Checkmark
Petplan Pet Insurance Checkmark Checkmark
Pets Best Insurance Checkmark Checkmark
Pets Plus Us Checkmark Checkmark
Trupanion Checkmark Checkmark

*Companies:

  • Crum & Forster includes: ASPCA Pet Health Insurance, Hartville Pet Insurance, PetPremium Pet Health Insurance, Prudent Pet, Spot Pet Insurance, Liberty Mutual Pet Insurance
  • Embrace Pet Insurance includes: Embrace, USAA, Geico, AllState, Bolt Agency, American Family, American Modern, Nationstar Mortgage, SWBC, Armed Forces, Leasing Desk
  • PetHealth Inc. includes: 24PetWatch, Ontario SPCA Pet Insurance Programs, Petango, Petcare, PTZ Insurance Services Ltd.  
  • Petline Insurance includes: Petsecure, Desjardins, HBC, CAA, The Personal, OVMA Pet Health Insurance, Peppermint
  • PetPartners includes: PetPartners, AKC Pet Insurance and CFA Pet Insurance
  • Pets Best Insurance includes: Pets Best Insurance, Farmers Insurance, Progressive Insurance, BB&T Insurance Services

Exotic Pet Insurance vs Dog/Cat Insurance

All pet insurance plans (including avian, exotic, rabbit, canine, and feline pets) from Nationwide have per-incident benefit schedules. Most cat and dog insurance from other pet insurance companies reimburse a percentage of eligible vet expenses. Neither plans cover pre-existing conditions (no pet insurance company covers pre-existing conditions).

How Much Does Exotic Pet Insurance Cost?

Nationwide has more than 600,000 pets insured in the United States. Avian and exotic pet insurance plans through Nationwide average $9 per month. However, this price can vary based on your pet and its specific health needs.

What Types Of Claims Are Most Commonly Filed For Exotic Pets?

Exotic pets experience different issues compared to cats and dogs. Avian, exotic, and reptile pet parents commonly submit claims for feather issues and skin/shell disorders. In contrast, cat and dog owners commonly file claims for dental disease, skin allergies, and ear infections.

The Future Of This Article

With all this said, we recommend looking further into Nationwide if you want avian insurance, guinea pig insurance, parrot insurance, rabbit insurance, reptile insurance, or another bird or exotic pet insurance. In the near future, we hope to have more information in this article about Nationwide’s exotic pet insurance offerings to keep you informed about your options.

What exotic pet do you need to insure?



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