You may not realize it, but if you own a pet that is anything other than a dog or a cat, you are the owner of an exotic animal. Birds, lizards, pigs, rodents and even fish are all classified as exotic animals. All have health issues that are particular to their species and breed and often require extra care by a specially trained veterinarian.
Birds are typically very delicate pets, and most often encounter health issues as the result of an accident or injury. Lizards and reptiles have a very long life expectancy, and over the years can develop feeding and nutrition problems. Pigs, which have gained popularity as pets in recent years, are prone to respiratory and digestive issues, while rodents often run into trouble with their ever growing teeth. Finally, saltwater fish can be very expensive to purchase, and the smallest change in their habitat can cause severe problems.
Deciding what needs your pet may encounter is important in deciding the type of insurance to purchase for your pet. Most companies that offer pet insurance will also cover your exotic pet. When choosing coverage you may want to consider things such as the life expectancy of your pet and their current age. How much did you pay for your pet? Although it is difficult to think about your pet in financial terms, this may have a direct effect on the type of policy you choose to purchase. Do you need coverage for routine check- ups and vaccinations, or do you want coverage for emergencies only? Once you have considered all of these factors and decided what type of coverage is best for you and your exotic pet, you can then begin to compare companies and coverage.
Most exotic pet coverage is written for one year. It is possible to purchase a lifetime policy, however it is not as easy on the budget as the yearly coverage. Some policies require a copay, while others require none. It is even possible to purchase additions to your policy that would cover the theft of your pet, or the death of your pet should it occur in a house fire, accident or natural disaster.
In a time of ever rising health care costs, purchasing insurance for your exotic pet may prove to be a sound financial decision. Best of all it will provide you with peace of mind and allow you to focus on the best care for your exotic pet.
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