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 .
Table of Contents
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 not||Details|
|Vet fees||You can ask money back for vet fees if your reptile received medical treatment|
|Advertising and rewards||You can claim the money back for the cost of your reward and your advertising spend|
|Death by illness or accident||You can claim if your reptile died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your reptile if you have an emergency|
|Overseas travel cover||Your reptile is covered in another country|
|Third party liability cover||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.
What is the best pet insurance for reptile ?
Exotic pet insurance and British Pet insurance propose reptile insurance, here are the main features:
|Insurers||Vet fees||Excess||Extra||Monthly premium|
|British Pet Insurance (Value Policy)||£30|
|British Pet Insurance (Plus Policy)|
up to £3000
|British Pet Insurance (Premier Policy)|
Up to £5,000
|Exotic Direct (basic insurance)|
|10% of the replacement cost in case of fire or theft claim||£4.35|
|Exotic Direct (Premier or Essential Policy)||£35|
What is not included in your reptile insurance?
Often, these kind of features are not included in your reptile insurance:
|Treatment for preexisting conditions||Most insurers won’t cover your reptile ‘s existing conditions.|
|Routine medical treatment||Your reptile insurance won’t cover your routine medical treatment such as vaccinations, for example.|
|Behaviour treatment||This kind of feature is often not provided for reptile insurance.|
|International cost||Some insurers won’t offer to cover your reptile abroad.|
|Dental treatment||Often excluded from reptile insurance.|
|reptile age||Sometimes your reptile will not be covered if your pet is considered too old.|