Do you get mesmerized by the sight of wild cats? Or do you take pride in possessing that gorgeous macaw that talks like a human friend?
People are getting more fascinated about keeping exotic pets rather than a regular domestic cat or dog. Exotic pets can vary widely from wild cats to exotic birds to creepy snakes and lizards. Any animal which is not a traditional pet, are expensive and usually has a high maintenance cost can be termed as an 'exotic pet'.
Whether you wish to take home a pet that is so different than your neighbor’s, or you already have that special pet; one very important thing to consider is insurance.
Why do you need to purchase an exotic pet insurance policy?
Your exotic pet can fall sick like any other pet and is more vulnerable to various diseases, owing to its natural habitat. These pets also need attention of veterinarians with specialization on exotic animals, which can be very expensive. The fact that exotic pets are rare and expensive also makes them susceptible to theft, which can be extremely heart-breaking for the owner.
All these facts make exotic pet insurance a very important necessity for the owners of such pets. This is a special insurance which protects your favorite companion by giving coverage against various odds.
How can you know your pet is exotic or not?
Before going for an exotic pet insurance, it is good to have an idea as to what is considered as an exotic pet by the insurance companies.
If you have any animal friend that is out of the ordinary lot, then it is considered an exotic pet. It is a pet, which is not common in ordinary households, or not usually thought of as a pet.
The list of probable exotic pets can go on. But here is a small list, just to provide a basic idea:
• Exotic birds like expensive parrots, parakeets, macaw, cockatiel etc.
• Cats, such as savannah cats, servals etc.
• Amphibians like frogs, turtles, tortoises.
• Reptiles like bearded dragon, gecko, chameleon, iguana, snakes.
• Different sorts of rodents like chinchilla, hamster, rabbits.
• Insects like, tarantulas, emperor scorpions etc.
How does exotic pet insurance cover your special friend?
An exotic pet insurance can cover your financial expenses related to your exotic pet. Following are the coverage offered by the insurance companies:
1. Veterinary expenses:
Exotic pets need special care when they fall sick. You need to spend a substantial amount for the medical treatment of these animals. The exotic pet insurance can cover your vet’s bills and medical care costs (such as surgery and medicines). Some policies even cover vaccination costs. As this insurance provides coverage up to a limit; choose a policy which will cover most of the needs of your particular pet.
2. Loss or theft:
If your pet gets lost or gets deliberately stolen, you would probably do anything to get it back. Advertising the loss or theft can be very helpful in order to retrieve your loved pet. The cost of putting up advertisement can add to your woes. But an exotic pet insurance can cover these expenses as well.
3. Death of the pet:
Despite of all the love and care, you might lose your pet due to an accident, injury or a disease. Exotic pets are usually very costly and probably you have spent a small fortune to bring it home. If you have an exotic pet insurance and your pet happens to die, the least you can do is to claim and cover your financial loss.
How can you choose an affordable insurance?
You can choose a policy for your unique pet in the following ways:
• Remember that your pet is unique and has special needs. Choose a policy that suits the requirements of your pet, depending on its particular species/breed.
• Always compare the policies and prices from different insurance companies.
• The premium amount may vary from insurer to insurer. Buy from the one that provides best coverage at affordable price.
• Policies are available on a yearly or lifetime basis. Keep in mind, that though the year long ones are usually cheaper, they are also risky and can get more expensive over the years.
• Like all insurance, exotic pet insurance also comes with limitations and exclusions. It is advisable that you read the policies carefully and compare them well before finalizing on one.
It is needless to say that all the benefits of any exotic pet insurance cannot compensate for the value of the loving bond that you develop with your exotic friend. But it can definitely minimize the financial impact should you lose your exotic pet.
An exotic pet insurance can give you the peace of mind, that should your feathered or slithery companion fall sick, you would be ready to give it the right care and bring it back to its happy and healthy state.Blog Category