What Are The Best Reptile Insurance?

James Rodriguez James Rodriguez  updated on July 9, 2020

Do you have a reptile  and want to know if having pet insurance is worth it?

The simple answer is: yes, taking out a reptile insurance is always a good idea. You will have peace of mind,  as the main expenses will be taken care of. 

In this guide, we’ll detail all the different types of reptile insurance,  the average cost of taking out a reptile insurance and and we’ll also give you an indicative quote to find the best pet insurance for your reptile .

What type of reptile insurance is best for you?

When taking out a reptile insurance, there are usually one type of insurance offered, usually it is a 12 month insurance.

How much is reptile insurance?

It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:

  • Your reptile ’s age, The older your reptile is, the more expensive it will be to insure your reptile . 
  • Where you live in the UK. Vet fees are not the same all over the UK. 

The average cost of reptile insurance in UK is about £4 and £20 per month..

What does reptile insurance cover?

Not all insurers offer the same features, so check before insuring your reptile . Here is a little table that shows what is usually covered by a reptile insurance: 

Included or notDetails
Vet fees
  • Included in all type of policies
You can ask money back for vet fees if your reptile received medical treatment
Advertising and rewards
  • Often included in Lifetime cover
  • Often not included in basics insurance
You can claim the money back for the cost of your reward and your advertising spend
Death by illness or accident 
  • Often not included in basics insurance
  • Sometimes covered by Lifetime.
You can claim if your reptile died because of an accident or because of an illness
Boarding fees
  • Often not included in basics insurance
Covers the cost of boarding your reptile if you have an emergency
Overseas travel cover
  • Often not included in basics insurance
Your reptile is covered in another country
Third party liability cover 
  • Included in basics insurance
Covers legal liability if your reptile causes damage or injury. 
For cats, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.
reptile insurance cover

What is the best pet insurance for reptile ? 

Exotic pet insurance and British Pet insurance propose reptile insurance, here are the main features:

InsurersVet feesExcessExtraMonthly premium
British Pet Insurance (Value Policy)
  • Up to £1,000
  • Up to £300 for alternative treatment
  • Advertising – Up to £150 per year
  • Reward – Up to £150 per year
  • Excess £50 for each claim.


British Pet Insurance (Plus Policy)

up to £3000

  • Up to £400
British Pet Insurance (Premier Policy)

Up to £5,000

  • £500 for alternative treatment
Exotic Direct (basic insurance)


10% of the replacement cost in case of fire or theft claim
  • Cover included for sickness, theft and death.
Exotic Direct (Premier or Essential Policy)
  • Up to £1000
  • £2,500 for sickness, theft and death
  • Weather perils
  • £12,82 for essential
  • £14,63 for premier
Reptile lifetime cover

What is not included in your reptile insurance?

Often, these kind of features are not included in your reptile insurance: 

Not includedDetails
Treatment for preexisting conditionsMost insurers won’t cover your reptile 's existing conditions. 
Routine medical treatmentYour reptile insurance won’t cover your routine medical treatment such as vaccinations, for example. 
Behaviour treatmentThis kind of feature is often not provided for reptile insurance. 
International cost Some insurers won’t offer to cover your reptile abroad.
Dental treatmentOften excluded from reptile insurance. 
reptile ageSometimes your reptile will not be covered if your pet is considered too old.
What is not covered by your reptile insurance