Reptiles and Fish as Pets Can Become Ill. Insurance covers even Their Veterinarian Visits.
When it comes to pets, it doesn’t matter if they’re dogs or cats; fish and reptiles may be less popular, but they aren’t any less important to their owners or their health.
If you’re surprised by the level of care required, you haven’t spent enough time in the exotic pet world. A reptile insurance specialist with USInsuranceAgents.com believes many medical ailments need treatment. She notes that internal parasites, diarrhea, lung infections, constipation, bacterial infections, and low blood-calcium levels are all possible medical issues. Vetexotic. the clinics.com, a medical specialist site, reports that there is also reptile cancer, which may be treated in the same manner as cancer in other animals.
When it comes to our aquatic friends, Francies explains that “fish can get sick from poor water quality that leads to them having suppressed immune systems, which reduce their ability to fight diseases,” and that “vets can advise an owner of a fish on how to care for the fish and how to treat and maintain the water properly.”
As a result, despite their diminutive stature, these pets don’t usually come cheap for veterinary care. According to Francies, medications and microscopic examinations may cost up to $200 for reptiles, who estimate that an exam can cost $50 to $100. She adds that surgery and anesthesia may cost anywhere from $150 to $350 depending on the severity of the sickness and any treatment.
Make sure that you have the proper insurance for your exotic pet.
There are fewer veterinarians and insurance companies that cover fur-free animals than there are for typical pets. Nationwide is the largest non-furred pet insurance company, and they ensure anything from chameleons to iguanas to turtles and everything in between. Several smaller insurance firms, such as Pet Assure and Prime Insurance, cover reptiles and other “exotics.”
These insurance providers cover several species, but they don’t cover the whole zoo. Insurance companies aren’t protecting them when it comes to uncommon or hazardous animals, including venomous, endangered, or threatened species. Chickens, Pigeons, and Other Animal in Groups, “and hybrids of domesticated pets with a wild or non-domesticated species” are also off-limits, according to Francies.
PaydayNow explains that The most basic insurance coverage covers accidents and diseases. You’ll have to pay extra if you want routine care for your species. Exotic animal insurance policies work like those for cats and dogs. There are a variety of deductibles and co-pay percentages, ranging from $25 to $1,000 depending on your choice of each.
Is insurance worth the money?
Fish and reptiles have cheaper insurance prices than other popular pets. The average monthly premium for reptile coverage Nationwide is $9, less than the $60 for dogs and $30 for cats. Since lizards and tropical fish often live 3 to 5 years, your lifetime premiums will likely be lower. (Turtles, a remarkable exception, may live for 50 to 60 years.)
Reptile owners, however, often spend less on medical care than owners of conventional pets, even though per-visit expenditures might rise. An estimate by Dr. John Williams on petplace.com puts the price tag on yearly doctor visits for reptile species, including snakes and lizards, between $100 and $125. According to the American Pet Products Association, the average medical bill for a dog is $214, while the average vet bill is $426.
It’s less probable that you’ll go over your coverage deductible in a single year if your typical vet charges are more minor. As some fish owners are well aware, a tiny pet may pass unexpectedly suddenly — and plans seldom cover the expense of replacing a pet that has perished.
When it comes to insurance for a scaly pet, your experience with fish and reptiles will play a role. If you decide to take any action to preserve your pet, you may want to have insurance in place. The second option is to forego coverage if you’re willing to accept the prospect of a high cost or the danger of not treating a sick fish or reptile.