Do you have a tortoise and want to know if having pet insurance is worth it?
The simple answer is: yes, taking out a tortoise 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 tortoise insurance, the average cost of taking out a tortoise insurance and and we’ll also give you an indicative quote to find the best pet insurance for your tortoise.
Table of Contents
What type of tortoise insurance is best for you?
When taking out a tortoise insurance, there are usually one type of insurance offered, usually it is a 12 month insurance.
How much is tortoise 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 tortoise’s age, The older your tortoise is, the more expensive it will be to insure your tortoise.
- Where you live in the UK. Vet fees are not the same all over the UK.
The average cost of tortoise insurance in UK is about £4 and £17 per month..
What does tortoise insurance cover?
Not all insurers offer the same features, so check before insuring your tortoise. Here is a little table that shows what is usually covered by a tortoise insurance:
|Included or not||Details|
|Vet fees||You can ask money back for vet fees if your tortoise 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 tortoise died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your tortoise if you have an emergency|
|Overseas travel cover||Your tortoise is covered in another country|
|Third party liability cover||Covers legal liability if your tortoise 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 tortoise?
Exotic pet insurance and British Pet insurance propose tortoise insurance, here are the main features:
|Insurers||Vet fees||Excess||Extra||Monthly premium|
|Exotic Direct (Basic Policy)|
|10% of the replacement cost in case of fire or theft claim|
|Exotic Direct (Essential Policy)||£35||£12,67|
|Exotic Direct (Premier Policy)||£35||£14.35|
|British Pet Insurance (Value Policy)||£30||£9.53|
|British Pet Insurance (Premier or Plus Policy)|
What is not included in your tortoise insurance?
Often, these kind of features are not included in your tortoise insurance:
|Treatment for preexisting conditions||Most insurers won’t cover your tortoise’s existing conditions.|
|Routine medical treatment||Your tortoise insurance won’t cover your routine medical treatment such as vaccinations, for example.|
|Behaviour treatment||This kind of feature is often not provided for tortoise insurance.|
|International cost||Some insurers won’t offer to cover your tortoise abroad.|
|Dental treatment||Often excluded from tortoise insurance.|
|tortoise age||Sometimes your tortoise will not be covered if your pet is considered too old.|