Pet Insurance: Exotic Pet Insurance Covers Majority Of Species

It does not matter what type of pet you have, most pet owners want to protect their investment. Many consider their pets as part of their family and by having insurance for their medical needs can ease the financial burden of caring for a pet. While dogs and cats may be considered traditional pets, exotic pet insurance is available for other animals that fly, walk, crawl or slither.

Most exotic pets, when legally obtained, can cost several thousands of dollars and while expensive, they will also quickly become part of the family. By purchasing exotic pet insurance, they can be protected against illness, accidents and emergencies, as well as long-term conditions that some species are prone to suffer. Without having exotic pet insurance, the owner risks creating great financial responsibility in caring for the pet, or be forced to make a decision they are not comfortable in making.

Those who offer habitat services for pets while the owners are on vacation or house them for medical purposes should already carry exotic pet insurance to cover them in case of loss. A kennel struck by a severe storm causing the loss of the animals will be hard enough on the owners and without some type of coverage for reimbursement, will cause an additional financial hit to the company.

Check Policy For Coverage Options

Understand how much the exotic pet insurance will pay for eligible office visits, and what constitutes an eligible visit. What type and how often does it pay for routine physical exams, heartworm protection and other procedures routine for the exotic species you own. Make sure the exotic pet insurance pay for treatments and prescriptions, whether given by the vet or at an animal hospital.

The exotic pet insurance should also pay a percentage of diagnostic tests and laboratory fees, including e-rays, especially in case of an emergency. It should also cover surgeries and be available for you to take the pet to any licensed veterinarian in an emergency when away from home. Also check the amount that will be paid out-of-pocket as well as maximum benefit amounts.

Many companies place a cap on each treatment and if complications develop as a result of treatment will treat subsequent vet visits as the same treatment. If the maximum allowable per treatment has been paid, the owner will be responsible for the remainder of the bill. There may also be a maximum amount exotic pet insurance will pay during the animal’s lifetime, and once that amount has been expended, there will be no more coverage.