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Exotic pet insurance guide

Find out about the importance of insuring your exotic pet and what you need to consider when choosing a policy.

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The main benefits of exotic pet insurance


Peace of mind

Having the right insurance for your exotic pet helps you relax, safe in the knowledge that you can to look after them if something bad happens. If your tortoise or chinchilla has an accident, fast treatment could keep them alive.

Financial benefits

Depending on the cover you get, your exotic pet insurance can cover many unexpected big bills so that you don’t have to.

Sadly, some owners choose to have their animals put down or give them away when bills for treatment are too high. It can be hard to find new homes for creatures such as snakes and parrots if you decide you can no longer afford to keep them due to health costs.

If you don’t have insurance for your exotic pet – or if you do, but would like advice – please call the surgery or talk to us at your next visit. The team are ideally placed to guide you towards the policy features and costs that will best suit your situation.

This is especially important for exotic pets, as they can be affected by a wide variety of different issues.


What does your exotic pet insurance cover?

Vets’ fees

Payment of vets’ fees for illness and injury, including emergency care abroad.

Complementary therapies

Payment of fees for physiotherapy, acupuncture and hydrotherapy.

Third-party liability

Payment of claims if your exotic pet causes damage or injury.

Advertising, recovery and reward

Payment of recovery costs if your pet becomes lost.


Payment of boarding fees if you go into hospital.

Holiday cancellation costs

Reimbursement of costs if you cancel or cut short a holiday because your pet becomes ill.

Consider before you buy

Before buying exotic pet insurance, make sure you understand exactly what the policy covers

Maximum payment

What is the maximum amount that the policy will pay?

Exclusions and excess

What exclusions apply to your pet? What’s the excess?

Time limit

How long will the insurance company continue to pay for a problem that your animal develops? Some policies only provide coverage for 12 months after development of a new condition. Others offer lifetime cover, so as long as you renew your policy every year, your pet is covered for life for treatment of chronic conditions.

Multiple exotic pets

If you need to insure more than one animal, you may be eligible for a discount.

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