Best Pet Insurance for Exotic Pets (2023 Review)

by | 1/31/2023

Jump To: Best Pet Insurance for Exotic Pets | Why you need Exotic Pet Insurance | Coverage | Types of Plans​ | FAQs | Methodology

Exotic pet insurance is a great way to cover those pets that fall into the ‘exotic’ category – reptiles, bunnies, birds, rodents and more. These days, Americans have a wide range of pets. While most stick with the tried-and-true cats and dogs, which provide excellent companionship, others are venturing into more exotic territory. They are finding that teaching an African Grey Parrot to talk is immensely rewarding, or that they’d rather have a fluffy bunny than a dog. However, small animals such as hamsters can still have health issues, and as a responsible pet owner, it is your duty to take care of these animals if something should happen to them. With exotic pet insurance, your out-of-pocket costs can be minimal, and you can get your pet the care it needs, if it needs it.

Continue reading to learn more about the following pet insurance providers so that you can choose the best one for your needs: 


No matter what pet you choose, they will need a health insurance policy to be certain that they weather any illness that may befall them. Believe it or not, there are insurance policies that cover all sorts of exotic pets, including, but not limited to:

Frogs and other Amphibians Gerbils
Chameleons Goats
Iguanas Guinea Pigs
Chinchillas Hamsters
Ferrets Lizards
Geckos Mice
Hedgehogs Rabbits
Possums Sugar Gliders
Rats Tortoises
Potbellied Pigs Snakes

The Best Pet Insurance for Exotic Pets

Why you need Bird and Exotic Pet Insurance

Birds and exotic pets need insurance just like any other pet. They are prone to illnesses and injuries just like any other animal. It’s also important to take them to the vet for periodic check-ups, vaccinations, and diagnostic procedures in case things don’t seem right.

It’s especially important to find the best pet insurance for your exotic pets, as they are likely to need quick care if they fall ill. For instance, birds are highly susceptible to parasites. Where a dog or cat might be able to live with a parasitic infection for months, or longer, a bird might need to be treated immediately. In fact, some parasites are deadly to birds. If you have bird insurance, you can rest assured that their medical bills will be covered.

Exotic pets, such as reptiles, are also highly sensitive to their environment. If, for instance, it gets too cold for them, they may quickly get sick. Other exotic pets may need medical attention if they are exposed to higher temperatures in the summer.

Your exotic pet is also prone to injury like any other. Pet pigs, for instance, are prone to being attacked by dogs. While your beloved menagerie might all get along, a random dog in the neighborhood might not be as accepting of your pig playmate.

Other exotics, such as rats, have a tendency to put things in their mouths that don’t belong. It is not uncommon for rats to take a bite out of an electrical cord, possibly causing great harm, if not death. Exotic pets might also eat foods or objects that their systems are not able to digest; causing a minor medical emergency that pet insurance will cover.

What Exotic Pet Insurance Covers

Exotic and bird insurance plans are similar to policies written for dogs and cats. They usually cover major health issues such as serious illness, traumatic injuries, and chronic disease. More comprehensive policies cover preventative care including diagnostic tests, regular veterinary check-ups, and overnight boarding. For mammalian exotics, such as pigs, guinea pigs, rats, and ferrets, you might be able to find a policy that covers emergency dental claims.

Your exotic or avian friend will also be covered for alternative therapies, provided they are administered by a licensed veterinarian and are for a condition covered by the policy. Medications and surgeries are likewise covered, as are non-hereditary cancers.

Types of Plans that Cover Birds and Exotics

It will be difficult to find a range of policies that cover your avian or exotic pet. However, Nationwide Insurance covers all sort of pets, including thorough coverage for cats and dogs. They are the only insurer in the United States that cover birds and exotic pets. Their plan is called the Avian and Exotic Pet Plan. It covers most birds and a variety of other exotic pets, including guinea pigs, amphibians, reptiles, potbellied pigs and more.

If you have a bird or exotic pet, you want to make sure that they have a long and happy life, free of suffering and disease. To make sure that their healthcare doesn’t jeopardize your financial situation, seek out at healthcare plan suited just for them. Your pet chinchilla, ferret, pig, lizard, or parrot will thank you.

Frequently Asked Questions About Bird and Exotic Pet Insurance

How much does pet insurance cost? 

Pet insurance costs will vary based on your pet insurance provider, location, your pet’s breed, your pet’s age, and more. Other factors that will influence the cost of pet insurance include the type of plan you choose, especially if the plan has extensive coverage and if you opt for preventative care add-ons. The more coverage your plan has, the higher the cost is likely to be. 

To give you a general idea of pet insurance costs, we’ve researched the following numbers for you. Currently, most dog insurance plans cost $28 per month on average, and cat insurance plans can cost as little as $11 per month. Depending on the plan, you can expect to pay anywhere from $10 per month to $90 per month in most cases.

Is buying pet insurance worth it? 

For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available. 

Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness. 

Do all vets take pet insurance? 

In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.  

Our Methodology

​​Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost
  • Reputation
  • Customer service
  • Species available
  • Wellness benefits

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations.

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.