Your A-Z Guide to Exotic Pet Insurance Cost

If you’re a cat or dog owner, then you can find various pet insurance options easily. Because they’re the most popular pets in the US, most pet insurance policies protect them.

However, if you want to bring an exotic pet home, then your pet insurance search can be a bit more challenging. Not only is exotic pet insurance hard to find, but it might also cost you more than regular cat/dog insurance.

In this article, we’ll discuss the exotic pet insurance cost as well as everything you should know about it.

What Is Exotic Pet Insurance?

It’s almost similar to cat/dog pet insurance. Exotic pet insurance is a mistake-proof way to have a backup in case of unexpected vet visits.

Something wrong might happen to your exotic pet. Whether it’s related to their health or their life, this insurance will cover the vet cost. Of course, this is based on the plan that you pick.

Exotic animals like birds, reptiles, rabbits, and more need specialized care. Therefore, their pet insurance has more options and plans that can vary according to your pet’s nature.

This is why more and more exotic pet owners are seeking this insurance to protect their little friends.

Exotic Pet Insurance Cost

Averagely speaking, exotic pet insurance can cost about $9 per month. However, that price might vary according to the pet type and its health condition.

We’ll give you some examples of a few exotic pets and their average insurance monthly fees.

  • Bird insurance cost: about $16
  • Reptile insurance cost: about $8
  • Other exotic pets insurance cost: about $9

According to these statistics, Americans pay a lot for the wellbeing of their pets. Compared to the costs of food, medication, grooming, and more, the cost of pet insurance shouldn’t hurt your budget so much.

Advantages of Exotic Pet Insurance

While we know that exotic pet insurance is helpful, let’s find more about its benefits in-depth.

Good for Your Bank Account

Exotic pet insurance is generally more expensive than regular insurance. However, it’s still a better option when covering vet visits.

As you know, exotic pets have different needs than those of dogs or cats. Therefore, taking them to the vet will cost more. You might not be prepared for this extra cost all the time.

By giving a relatively small sum of money every month, you won’t feel its impact the same way as paying a large sum all at once.

Various Plans and Options

What’s probably the best thing about exotic pet insurance is that there are many plans you can choose from. You can easily find one that suits your budget and your needs.

For instance, some plans include accidents and illness coverage only. Others can cover repeated examinations like vaccines and checkups. 

Also, if you can afford it, you can choose a plan that covers everything that might require a vet visit. No matter how simple or complicated it might get.


Paying for an exotic pet can be overwhelming due to their rarity. This is why you need to make sure that your pet gets the ultimate care.

If you have exotic pet insurance, you can rest assured that your pet’s wellbeing is the top priority. Therefore, if anything goes wrong in a time when your budget isn’t in its best condition, you’ll always have a backup.

What Does Exotic Pet Insurance Cover?

There are many types of vet visits that the insurance will cover. Again, you can modify this by choosing a certain plan that focuses on one thing over the other.

Here’s everything that exotic pet insurance can cover.

  • General wellness
  • Accidents
  • Illnesses
  • Routine vet checkups and examination fees
  • Vaccinations
  • Lab tests
  • Imaging such as X-rays and MRIs
  • Surgeries
  • Medications
  • Lost pets
  • Stolen pets
  • The passing away of a pet

Now that you know the options you can find, here’s what’s not covered.

  • Grooming
  • Taxes
  • Waste
  • Pre-existing health conditions

How to Choose the Right Exotic Pet Insurance Plan

If you’re a new exotic pet owner, you might not know how to determine the right plan for your pet. Also, it can be a bit hard to find a middle ground between your pet’s health and estimated costs.

To choose the perfect insurance plan, you should closely examine each one available and decide what you’re looking for. After all, everything is based on your budget and the condition of your pet.

Wellness Plans

These plans should cost you the least, so they’re perfect for a tight budget. As for your pet’s condition, these plans are suitable for younger pets.

Since they cover most basic routine visits, checkups, and vaccinations, they’re the best bet in this case.

Major Plans

Such plans can include a variety of more in-depth options. They can cover everything from accidents to surgeries. Also, they should handle any examinations related to chronic illnesses.

As for the cost, major plans are a pricier option. Of course, the cost varies according to your pet’s condition and health issues.

Wellness and Major Plans

Your search can lead you to insurance companies that provide plans that cover both wellness and major issues.

Naturally, these plans are the most expensive of them all. However, these can be your backup when you’re faced with anything you might not have expected.

Now that you know the main forms of insurance plans, the rest is up to your estimation. Making your decision should be easy after you check your pet’s medical records as well as your financial status.

To Wrap It Up

Sometimes, owning an exotic pet might seem like a challenging ride. These pets need special requirements on so many levels. These include food, healthcare, grooming, and more.

However, to make that challenge less intimidating, your best bet is to get good pet insurance. As for the exotic pet insurance cost, you’ll come to find that it’s not that big a deal.

When it comes to the well-being of your beloved pet, you know that it’s worth the cost.