Pet Insurance Variety

Introduction to Exotic Pet Insurance

Any pet other than a dog or a cat is considered an exotic pet. And whether you own a ferret or a zebra, it is nice to know that your pet can receive the veterinary care it needs in case of an illness or accident. Pet insurance helps protect you financially, so you can receive veterinary care for your animal when it needs it.

Pet insurance works just like human health insurance. You pay a premium (or a recurring fee) to an insurance company, and your insurance company agrees to pay for certain medical bills that occur. Generally you must pay a deductible or co-pay (a portion of the medical bill) every time you take your pet into the vet, but these can be adjusted based on your premium and also your pet's age, level of general health, and your preferred level of care. As animals age, your pet insurance premium will generally rise.

When considering pet insurance for any animal, especially exotic or expensive ones, you should consider a few things:

For how long do you plan on having this pet?
How much did your exotic pet cost you?
Is health care for your type of pet easily accessible, or does it require travel to a specialist?

One of the best things you can do to save money is to compare pet insurance companies. You can get free exotic pet insurance quotes and compare prices on insurance plans that fit your needs here at InsuranceNook.com!

Why Pet Insurance Is Good For You (And For Your Pet!)

If you own a pet you love, you can protect your pet and your own finances by purchasing pet insurance. Pet insurance makes sure that your pet can get the proper veterinary care it needs without you having to worry about breaking the bank. This way you can take your pet to the vet any time it needs care. Additionally, pet insurance can help you defray the costs of surgeries and other emergency medical procedures that your pet may need, whether due to accident or sickness. The peace of mind that comes from knowing your pet can get the veterinary care it needs whenever it needs it can be priceless.

Pet insurance for rodents, such as hamsters, chinchillas, guinea pigs, and mice is generally sought for dental purpose, since rodent teeth grow and grow and grow. Pet insurance for lizards and reptiles can be useful since these types of creatures generally have long life spans and very specific diets in order to stay healthy, which means they can become sick easily in certain conditions. Bird insurance can be very good to have because birds can be fragile, easily being injured by mishandling or flight accidents. Certain types of expensive fish may require pet insurance due to their rarity and costliness, not to mention the hazards of keeping water temperature and salt content at the right levels.

Most Common Types of Pet Insurance Plans

There are a variety of pet insurance plans, although there are three major categories in which most plans commonly fall:

Basic Pet Insurance
The least expensive pet insurance, this coverage will help pay for injuries, illnesses, and poisonings. Generally these types of policies provide low reimbursements and may include a maximum (cap) that your insurance company can pay per illness or accident.

Comprehensive Pet Insurance
In addition to the items covered by basic pet insurance plans, comprehensive pet insurance protects you from having to pay full price for office visits, prescriptions, x-rays, and other fees. Reimbursements per injury or illness are usually higher than those in basic coverage.

Pet Well Care Protection
This type of pet insurance coverage includes physical exams, vaccinations, and other preventative care.

5 Common Pet Insurance Questions & Answers

Q. Does homeowners insurance ever cover pets?
A. Usually in two cases. 1) If your pet injures someone, you may be protected by homeowners insurance under personal liability. This means your homeowners insurance will pay for the injury caused by your pet. 2) If your pet's belongings are damaged or destroyed, they fall under the category of your own belongings which are covered by homeowners insurance.

Q. Is life insurance coverage available for pets?
A. Yes, and it works the same way as human life insurance. This is usually only used for exotic animals.

Q. Will pet insurance cover me if my pet is stolen?
A. Certain pet insurance policies have provisions for theft. Check with your insurer to make sure you have theft insurance as part of your policy if you are worried about your animal being stolen.

Q. What kinds of conditions do pet insurance policies usually cover?
A. Some common conditions covered by many pet insurance plans include the following: Acne, Allergies, Arrhythmia, Asthma, Bite wounds, Bladder infections, Bronchitis, Burns, Cardiac arrest, Colitis, Conjunctivitis, Cushing’s disease, Dehydration, Diabetes, Ear infections, Electric shock, Epilepsy, Foreign body surgery, Fractures, Frostbite, Gastritis, Hepatitis, Hot spots, Hypertension, Kidney transplant, Lacerations, Laryngitis, Leukemia,Lyme disease, Near drowning, Pneumonia, Poisonings, Respiratory infections, Root canals, Sinusitis, Soft tissue trauma, Strokes, Tendon ruptures, Tongue lacerations, Tumors, and Ulcers.

Q. If I have more than one pet, can I cover them under the same plan?
A. In many cases, yes, and at reduced rates.

Conclusion

If you love your pet, then insurance may save you a lot of money and worry if your pet becomes ill or is involved in an accident. Pet insurance protects you financially if medical care for your pet costs more than you had planned, and it can give you the peace of mind that comes with knowing your friend will be able to receive medical treatment any time it needs it.