Protect Your Exotic Bird Through Insurance

photo credit: audreyjm529

You have made the investment, now protecting your rare or unusual bird with exotic bird insurance can be easier than you think.  Finding the right company to take care of your bird’s vulnerabilities may require a little research.  Simple policies, medium range, or lifetime policies all offer different levels of coverage, much like car insurance, your choice may depend on the age, value of your bird, and your financial commitment. 

Most policies cover theft, death from resulting accident, fire, lightning, sickness and disease.  If you take your birds to a show or convention there also is a coverage provisions available for that.  Because of new laws and regulations pertaining to removal of exotic birds from natural habitats theft has become a very large problem, and the black market for them has become rampant.  Purchasing an exotic bird is becoming a serious investment so finding the right policy for you is extremely important.  Understanding what is covered outside of the typical basics will help you.   

A simple policy will cover all the basics for bird insurance.  One of the shortcomings of a simple policy is if the bird is ill, there may be a time and financial limit with this policy.  Once that the bird hits that limit it not only loses coverage but cannot be covered for the illness again, much like a pre-existing condition.   

Medium priced policies will have a longer time illness provision as well as a higher financial limit.  Veterinarian bills can add up and adding at least a medium sized policy if your bird is very rare, will help offset cost in a time of illness.  Some medium priced policies will not reinsure your bird if you top the limits, there are however, some policies that will continue coverage upon renewal time, make sure to identify those specifics. 

Lifetime exotic pet coverage is the best option for insurance.  It obviously is the most expensive avenue of insuring your pet, but the advantages outweigh the money aspect of these policies.  You can first of all receive a multi-bird discount, and with an aging bird, if the bird gets ill and hits the financial payout cap or time cap for the policy year, it will be covered again on renewal date.   

Exotic birds and their owners usually form strong bonds.  A commitment and understanding the bird may live a minimum of 50 years is essential when considering to purchase this bird.  Interaction is necessary, these birds are highly intelligent and require interaction and socialization with you.  Exotic bird insurance is necessary to protect your investment and future long time family member from the perils they may encounter.

Posted by maglane on Sep 27 2011. Filed under Insurance News, Pet Insurance. You can follow any responses to this entry through the RSS 2.0. You can leave a response or trackback to this entry