The Best Exotic Pet Insurance (2023 Guide)

Written by.

Alex Hawkins.

Alex Hawkins. is an avid writer and researcher specializing in solar, pet insurance and home improvement. When he isn’t surveying homeowners to understand their pain points or speaking with professionals in the industries he covers, Alex can often be found creating videos for his YouTube channel, Analysis with Alex, or attending a heavy metal show.

Edited by.

Dana Getz.

Dana Getz. is a seasoned editor with nearly a decade of experience writing and editing content. She has a background in journalism and worked as a fact-checker for prestigious magazines such as New York and Chicago. She holds a journalism and marketing degree from Northwestern University and has worked across numerous categories within the home services space.

Many of the top pet insurance companies do not provide coverage for unusual animals, such as those that are not dogs or cats. If your beloved companion falls ill or gets injured, having pet insurance offers both financial security against costly veterinary expenses and assurance that they will receive the necessary care.

We, the research team at Home Guides, surveyed 1,000 parents to find the best providers for exotic pets and researched the top pet insurance companies. Here is our top recommendation.

Explore further or delve deeper into the text.

What Does Exotic Pet Insurance Cover?

Preexisting conditions are also omitted. Routine vet visits, such as preventive care, are not included. Coverage only applies to illnesses and accidents. Reimbursement for healthcare issues commonly seen in rodents, birds, and reptiles is also excluded. Policies for pet insurance cover similar treatments and procedures for dogs, cats, and exotic pets.

Here are a few of the items that exotic pet insurance includes:

  • Accidental injuries.
  • Chronic illnesses.
  • Common illnesses.
  • Hereditary issues.
  • Hospitalization procedures.
  • Lab work.
  • Serious illnesses.
  • What is Exotic Pet Insurance?

    Unlike human health insurance, your provider will later directly vet your reimbursement and checkout, ensuring that you pay for your pet’s insurance. Typically, pet insurance plans cover costs related to your pet’s illnesses and accidents, including X-rays, lab fees, and veterinary exams. The same way typical pet insurance works, it also covers costs for exotic pets.

    Below, it is common to find exotic pets in the “exotic” category of company insurance. The main difference between standard pet insurance and exotic pet insurance is the type of covered animal.

  • Amphibians.
  • Bearded dragons.
  • Birds.
  • Chameleons.
  • Chinchillas.
  • Ferrets.
  • Gerbils.
  • Goats.
  • Guinea pigs.
  • Hamsters.
  • Hedgehogs.
  • Iguanas.
  • Lizards.
  • Mice.
  • Other reptiles.
  • Pigs.
  • Rats.
  • Rabbits.
  • Snakes.
  • Sugar gliders.
  • Tortoises.
  • Turtles.
  • How Much Does Exotic Pet Insurance Cost?

    Price affects all types of pets, regardless of breed or age, as well as additional services such as wellness add-ons, deductibles, reimbursement percentages, and location. Your pet’s coverage will depend on the type of pet you have. The monthly premium can range from $10 to $100. Pet insurance costs for standard pets are the same as those for exotic pets.

    Frequently Asked Questions About Exotic Pet Insurance

    Other Insurance Types

    The Bottom Line: Should I Get Exotic Pet Insurance?

    It comes at a monthly cost, though. You don’t have to worry about the out-of-pocket costs for necessary surgery, ensuring that it could even save your pet’s life in an emergency. Pet insurance helps you avoid expensive vet bills when your pet gets injured or sick. There are plenty of cheap pet insurance companies that can match your budget.

    If you have a dog or cat, we suggest comparing various pet insurance companies. Currently, Nationwide Pet Insurance is the only provider that offers coverage for exotic pets.

    Nationwide Pet Insurance

    However, the company doesn’t share the cost of online plans for exotic and avian pets. This plan covers most types of exotic animals and birds such as hedgehogs, turtles, rabbits, and parrots. Nationwide, known for its work in the auto insurance industry, offers Pet and Exotic Avian insurance.

    Nationwide Pet Insurance offers coverage for up to 90% of costs associated with covered illnesses and accidents, encompassing veterinary check-ups, stays at hospitals, medications, and other similar expenditures.

    Methodology: Our System for Ranking the Best Pet Insurance Companies

    Alex Hawkins. is an avid writer and researcher specializing in solar, pet insurance and home improvement. When he isn’t surveying homeowners to understand their pain points or speaking with professionals in the industries he covers, Alex can often be found creating videos for his YouTube channel, Analysis with Alex, or attending a heavy metal show.

    Dana Getz. is a seasoned editor with nearly a decade of experience writing and editing content. She has a background in journalism and worked as a fact-checker for prestigious magazines such as New York and Chicago. She holds a journalism and marketing degree from Northwestern University and has worked across numerous categories within the home services space.