10 Best Exotic Animal Insurance
Exotic animal insurance provides pet owners with specialized coverage for animals that are not typically covered under standard pet insurance policies. These include reptiles, birds, amphibians, and other non-traditional pets. The primary function of this type of insurance is to offer financial protection for medical treatments, emergencies, and other incidents that may arise unexpectedly, ensuring the well-being of exotic pets.
The benefits of exotic animal insurance are numerous. It helps mitigate the cost of veterinary care, which can be particularly expensive for exotic pets due to their specialized needs. Additionally, insurance policies may cover routine care, emergencies, accidents, and even behavioral therapies. This coverage allows pet owners to provide the best care for their animals without the worry of overwhelming financial burdens.
1.
Pets Best
Pets Best provides pet insurance for accidents, illnesses, and wellness care, as well as customizable plans with a focus on comprehensive coverage and fast claims.
Affordable and customizable insurance plans
Coverage for accidents, illnesses, and wellness care
24/7 access to veterinary experts through their app
Fast claims processing, often within 5 days
Direct vet payments for covered treatments
Coverage for accidents, illnesses, and wellness care
24/7 access to veterinary experts through their app
Fast claims processing, often within 5 days
Direct vet payments for covered treatments
Pets BestCheck HerePets Best - – Pets Best provides a wide range of plans that cater to both dogs and cats, with flexible coverage options and an easy-to-use mobile app for submitting claims.
Pros
Comprehensive coverage options, including wellness and preventive care- Quick claims processing and direct vet payment
- Affordable premiums for a variety of coverage levels
- No waiting period for accidents
- High customer satisfaction ratings
Cons
Some breed-specific conditions may have exclusions- Wellness coverage is optional and may increase costs
- No coverage for pre-existing conditions
Key Features
Coverage for accidents, illnesses, and wellness care
Fast claims processing (within 5 days)
24/7 vet access via app
Direct payment to vets for claims
Customizable plans based on pet needs
Fast claims processing (within 5 days)
24/7 vet access via app
Direct payment to vets for claims
Customizable plans based on pet needs
Why Is Recommended
Pets Best is recommended for pet owners looking for affordable, customizable plans that cover a wide range of conditions. It's particularly beneficial for those seeking quick claims turnaround and access to preventive care options.
2.
Embrace Pet Insurance
Embrace Pet Insurance provides flexible plans for accidents, illnesses, and wellness care, with a focus on personalized care and customer satisfaction.
Customizable plans with accident, illness, and wellness coverage
Diminishing deductible for healthy pets
Quick claims processing (usually 10–15 days)
Covers breed-specific conditions and hereditary illnesses
24/7 access to veterinary advice
Diminishing deductible for healthy pets
Quick claims processing (usually 10–15 days)
Covers breed-specific conditions and hereditary illnesses
24/7 access to veterinary advice
- Embrace Pet InsuranceCheck Here
Embrace Pet Insurance - – Embrace stands out for its Wellness Rewards program and a customizable deductible, allowing owners to tailor coverage based on their pet’s specific needs.
Pros
- Customizable coverage with a focus on customer satisfaction
- Diminishing deductible rewards healthy pets
- Easy claims process with direct vet payment
- Option for wellness care to cover preventive treatments
Cons
- Wellness coverage is an add-on, which increases policy cost
- Premiums may be higher for older pets or those with pre-existing conditions
- Some exclusions apply, especially for pre-existing conditions
Key Features
Flexible coverage for accidents, illnesses, and wellness
Diminishing deductible for healthy pets
Quick claims processing with direct vet payments
24/7 vet access and support
Covers breed-specific and hereditary conditions
Diminishing deductible for healthy pets
Quick claims processing with direct vet payments
24/7 vet access and support
Covers breed-specific and hereditary conditions
Why Is Recommended
Embrace Pet Insurance is ideal for pet owners looking for flexible, comprehensive coverage that rewards healthy pets. It's recommended for those who want a tailored plan with options for both wellness care and accident/illness coverage.
3.
Nationwide Pet Insurance
Nationwide Pet Insurance offers a range of plans for both dogs and cats, including wellness care, accidents, illnesses, and even coverage for exotic pets.
Extensive network of participating vets
Coverage for both traditional and exotic pets (birds, reptiles, etc.)
Optional wellness care add-on for preventive treatments
Variety of plan options to suit different needs and budgets
Trusted insurer with a long history
Coverage for both traditional and exotic pets (birds, reptiles, etc.)
Optional wellness care add-on for preventive treatments
Variety of plan options to suit different needs and budgets
Trusted insurer with a long history
- Nationwide Pet InsuranceCheck Here
Nationwide Pet Insurance - – Nationwide’s pet insurance plans are highly regarded for their comprehensive coverage, including wellness, accidents, and illnesses, and offer coverage for exotic pets as well.
Pros
- Comprehensive coverage for a wide range of pets (including exotics)
- Reputable and reliable insurer with a strong financial backing
- Optional wellness care add-on for preventive care
- Ability to customize coverage based on pet needs
Cons
- Claims process can take longer compared to some competitors
- Premiums may be higher for comprehensive plans
- Some exclusions may apply for specific conditions
Key Features
Coverage for accidents, illnesses, and wellness care
Optional wellness care add-on
Coverage for exotic pets
Access to a broad network of participating vets
24/7 customer support
Optional wellness care add-on
Coverage for exotic pets
Access to a broad network of participating vets
24/7 customer support
Why Is Recommended
Nationwide Pet Insurance is recommended for pet owners who have exotic pets or multiple pets and want a reliable insurer with a range of coverage options. It's also suitable for those who want access to preventive care through an optional wellness add-on.
4.
Healthy Paws
Healthy Paws provides pet insurance coverage for unexpected veterinary bills for cats and dogs. Their plans help with the costs of accidents, illnesses, and sometimes preventive care.
Comprehensive accident and illness coverage
Coverage for treatments like surgeries, hospital stays, and medications
No caps on claim payouts
Fast and simple claims process
24/7 vet support via the app
Coverage for treatments like surgeries, hospital stays, and medications
No caps on claim payouts
Fast and simple claims process
24/7 vet support via the app
- Healthy PawsCheck Here
Healthy Paws - - Known for its comprehensive coverage and quick claims process, Healthy Paws is a top choice for pet owners. It covers a variety of medical treatments including surgeries, emergencies, and even cancer treatments.
Pros
- High reimbursement rates (up to 90%)
- Quick claims processing (around 2-3 days)
- No annual or lifetime payout limits
- Covers hereditary conditions with no waiting periods
- Highly rated customer service
Cons
- No coverage for routine care (though some preventative treatments are covered in optional add-ons)
- Pre-existing conditions are not covered
- Higher premiums for older pets
Key Features
Accident & illness coverage
Option for wellness coverage
24/7 veterinary advice
Unlimited lifetime benefits
Easy-to-use app for managing claims
Option for wellness coverage
24/7 veterinary advice
Unlimited lifetime benefits
Easy-to-use app for managing claims
Why Is Recommended
Healthy Paws is recommended for pet owners who want comprehensive coverage for their pets and prefer a straightforward, no-nonsense insurance plan with high reimbursement rates. It's especially beneficial for those with young pets or those who want to ensure their pets have access to quality care without limits on claims.
5.
Trupanion
Trupanion offers pet insurance focused on covering unexpected veterinary expenses due to accidents and illnesses. Their policies cover a wide range of medical costs and offer straightforward claims processes.
No payout limits on claims
Covers a wide range of conditions, including hereditary issues
Direct payment to vets in many cases
Quick claim approval process (often same-day)
Flexible pricing based on age, breed, and location
Covers a wide range of conditions, including hereditary issues
Direct payment to vets in many cases
Quick claim approval process (often same-day)
Flexible pricing based on age, breed, and location
- TrupanionCheck Here
Trupanion - – With a focus on rapid claim payments and coverage for accidents, illnesses, and hereditary conditions, Trupanion offers a great value for pet owners.
Pros
- High reimbursement percentage (up to 90%)
- No payout caps for covered expenses
- Direct vet payments streamline the process
- 24/7 customer service
Cons
- Limited coverage for preventive care (optional add-ons available)
- Doesn't cover pre-existing conditions
- Premium rates can be higher, especially for older pets
- Some exclusions apply, such as certain breed-specific conditions
Key Features
No annual payout limit
Coverage for chronic conditions
Direct vet payment option
Flexible deductible and reimbursement options
24/7 access to support
Coverage for chronic conditions
Direct vet payment option
Flexible deductible and reimbursement options
24/7 access to support
Why Is Recommended
Trupanion is recommended for pet owners who want a comprehensive policy without the worry of payout limits and with the convenience of direct vet payments. It's ideal for those who prioritize quick claims processing and high reimbursement rates.
6.
Figo Pet Insurance
Figo provides pet insurance coverage for cats and dogs, offering policies for accidents, illnesses, and wellness care. Figo is known for its user-friendly digital experience, including its cloud-based app for managing claims, policies, and medical records.
Comprehensive coverage for accidents, illnesses, and wellness care.
24/7 access to veterinary advice through their app.
Quick claims processing with reimbursement typically within a week.
Customizable policies with flexible reimbursement levels.
High reimbursement rates up to 100% of the covered expenses.
24/7 access to veterinary advice through their app.
Quick claims processing with reimbursement typically within a week.
Customizable policies with flexible reimbursement levels.
High reimbursement rates up to 100% of the covered expenses.
- Figo Pet InsuranceCheck Here
Figo Pet Insurance - – Figo offers top-notch customer service with a 24/7 pet telehealth service and a comprehensive plan that covers accidents, illnesses, and hereditary conditions.
Pros
- Innovative cloud-based platform for managing policies and claims.
- No lifetime or annual limits on claims.
- Fast claims approval (within a week).
- High reimbursement percentage options (up to 100%).
- 24/7 access to a vet telehealth service via the app.
Cons
- Wellness coverage is an add-on, increasing the overall cost.
- Pre-existing conditions are not covered.
- Not as well-known as other larger insurers, limiting trust for some pet owners.
Key Features
Accident, illness, and wellness coverage.
Cloud-based app for easy claim submission and policy management.
100% reimbursement option.
24/7 telehealth support for pet owners.
No annual or lifetime payout limits.
Cloud-based app for easy claim submission and policy management.
100% reimbursement option.
24/7 telehealth support for pet owners.
No annual or lifetime payout limits.
Why Is Recommended
Figo is perfect for tech-savvy pet owners who appreciate the convenience of an app-driven insurance experience. It's particularly ideal for those looking for fast claims processing, high reimbursement levels, and 24/7 veterinary advice.
7.
ASPCA Pet Insurance
- ASPCA Pet InsuranceCheck Here
ASPCA Pet Insurance - - Known for its excellent customer service, ASPCA provides coverage for a wide variety of exotic animals. Their plans are flexible, allowing pet owners to choose coverage that fits their needs.
8.
VPI Pet Insurance
VPI Pet Insurance, now part of Nationwide, offers comprehensive pet health insurance for dogs, cats, and exotic pets. It covers accidents, illnesses, and wellness care, and provides coverage for both routine care and emergencies.
Comprehensive Coverage: Provides coverage for accidents, illnesses, surgeries, and preventive care.
Nationwide Support: As part of Nationwide, VPI offers strong financial backing and customer support.
Flexible Plans: Offers a variety of plan options with different levels of coverage and reimbursement.
Nationwide Support: As part of Nationwide, VPI offers strong financial backing and customer support.
Flexible Plans: Offers a variety of plan options with different levels of coverage and reimbursement.
- VPI Pet InsuranceCheck Here
VPI Pet Insurance - - Veterinary Pet Insurance is one of the oldest and most reliable pet insurers, offering coverage for both common and rare exotic pets. Their policies are known for offering a range of options and flexibility.
Pros
- Reputation for Reliability: Nationwide's backing ensures reliable customer service and financial strength.
- Wide Range of Coverage Options: Offers flexibility for pet owners to choose between different levels of coverage.
- No Age Limit for Enrollment: Allows pets of any age to enroll, which is beneficial for older pets.
Cons
- Expensive Premiums: VPI's plans can be pricier than other pet insurance options, especially for older pets.
- Exclusion of Pre-Existing Conditions: As with most insurers, pre-existing conditions are not covered.
Key Features
Comprehensive coverage for dogs, cats, and exotic pets.
Multiple plan options with varying levels of coverage and reimbursement.
No age limit for pet enrollment.
Multiple plan options with varying levels of coverage and reimbursement.
No age limit for pet enrollment.
Why Is Recommended
VPI (Nationwide) is recommended for those seeking comprehensive coverage and reliable customer service. Its broad range of plans and flexibility make it a strong choice for pet owners looking for both routine and emergency care coverage.
9.
Banfield Pet Hospital
- Banfield Pet HospitalCheck Here
Banfield Pet Hospital - – Offering affordable wellness plans for preventative care and a range of options for sick or injured pets, Banfield is a good option for those who prefer in-house vet services.
10.
PetFirst Pet Insurance
- PetFirst Pet InsuranceCheck Here
PetFirst Pet Insurance - - PetFirst offers comprehensive coverage for exotic animals, including birds and reptiles, with a focus on emergency medical care, surgeries, and illnesses, at an affordable price.
Conclusion
Choosing the right exotic animal insurance can significantly improve the health and quality of life for your pet. With numerous plans available, it’s essential to consider factors such as the type of pet, coverage options, and cost before making a decision. By investing in the right insurance policy, you can ensure that your exotic pet receives the best possible care, no matter the situation.