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She Ra, Mastress of the Universe
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Discussion Starter · #1 ·
Right well...

Do you have it?

Who are you with?

And is it worth it?

I'm asking as recently i've had to take one of my corns off to a specialist, and will probably have to go back. This may also result in a rather expensive operation.

Now i know it's too late to get cover for this issue, but i was just wondering whether the majority or minority have insurance and all the other questions above...

Many thanks,
Ella
 

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Nope I don't because if I insured all my animals I would be bankrupt lol. I just have to pay for what they need. My local vets are looking to retire on me I think :whistling2:
 

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nop i dont, you can only insure up to 9 (on the one i was lookign at ) and it was £9.
i just have an online saver, spare money goes in there, and is used for vets...
i have neexded to spend a HELL of a lot recently but managed with this system :)
 

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i do, but have never had to use it. its just up for renewal now. its with exotic direct, a subsidiary of pet plan. they dont insure for breeding, but then neither does my horse and dog insurance, and any snake that cost under £100 is only insured for vets fees.
 

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i did look into it. for one or two, its great but for a group, not soo great. you put 4 animals of the same species on each policy for about £130 a year. that covers you for £1000 in vets bills per policy, NOT per animal. so good if just one animal is sick in a year, but what if its contagious? costs more for theft and death cover too, and then if the animal does die, YOU have to pay for the necropsy to determine COD.

so for me for a year it would cost £600 to insure my animals. on average i spend about £200 a year in vets bills, so for me its more cost efficient (up to now!) to foot the bills as and when they come in.


you would think one of these companies would come up with a semi proffessional exotic collectors policy. they would make a fortune and i would happily pay £10 a week to cover my entire collection on one policy just for the peace of mind. its the one thing preventing me from getting any serious morphs in my group! if anybody knows of anything like that, PMme.....
 

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She Ra, Mastress of the Universe
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Discussion Starter · #7 ·
kool :)

i have 7 reps atm. though 4 are under 12 weeks so aren't legible with exotic direct. but for all 7 at a rough entimate of £800 it would cost me £240 for full cover (vets bills, theft and death) which i dont think is too bad.

but if as you say, they don't cover breeding then there's no point for me. as the opnly reason im looking into it is because my female corn is currently egg bound. i know getting insurance now would help the current situation, but it would in the future as i think she would be more suceptable to injuries/issues (as this is the second time she's not well)

i may just see how much it is for her alone and just get her covered...

thanks for all the opinions :)
 

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I've often considered insurance, not just for exotics but also for other animals, but never actually bothered. To me there seem to be too many exclusions, excesses etc..., and when an animal is over a certain age the insurers are usually no longer interested, seems they only want to cover young fit and healthy animals!
I did a comparison recently with my sister who has several pedigree cats, she has them all insured and it costs her a fair bit, but in the last two years she was unfortunate enough to have to make two fairly hefty claims. The payout for the claims was about 20% more than she's paid in premiums over the past 10 years.
I have had no insurance and have saved quite a bit in premiums over the same period, I've been lucky and had no major vet's bills, and wouldn't have been able to claim for any of the minor ones anyway.
If I ever have to pay for a major op or something I'll just come up with the money somehow, if I don't actually have it I can just get a bank loan to cover it, or maybe sell some of the masses of stuff I have laying around that I don't need!
 

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it costs me £660 for 31 snakes. corns royals a boa hoggy and rat snake. i just had my dog go through an op that cost £1800, paid for by her insurance. i have also had to claim a couple of times for the horses. it also covers for injury to 3rd parties. which is more important really. if something takes someones eye out, i havent got a million to pay them.
 

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i agree with the 3rd party cover for my dogs (rotties) but i cant see the point for my tortoise! the worst they could do is sit on your foot.!

my water dragon is in the vets as we speak as she is egg bound. they often lay several infertile clutches a year even if they have never met a male. but this STILL wouldnt be covered on insurance.

if i ever got to the stage where people where handling my snakes or lizards (schools etc) then i have already priced up public liability so thats not an issue. but yeah, a savings account for vets bills is by far the best idea!
 

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you might find most vets may operate a system where you can pay in an amount every month. a tortoise may not reach someones face, but i have some snakes who certainly would, and indeed have, luckily it was my face. and tbh any time i have used my vets the bills havent been large, in fact i was pleasantly surprised. after reading what some people have said they paid i thought i would be bankrupt, but they were quite low. and that was for tests done at a place in england.
 

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She Ra, Mastress of the Universe
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Discussion Starter · #12 ·
:) considering all mine are harmless i don't need the 3rd party cover yet. and i think those of you are right, ill just have some money put away, and besides there's always the parents if i don't have the money at the time.

i guess i'll give the insurance a miss until it becomes better (and includes breeding issues) :)

thanks all
:)
 

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:) considering all mine are harmless i don't need the 3rd party cover yet. and i think those of you are right, ill just have some money put away, and besides there's always the parents if i don't have the money at the time.

i guess i'll give the insurance a miss until it becomes better (and includes breeding issues) :)

thanks all
:)
no insurance, for whatever animal or rep, will ever cover breeding. too many risks.
 

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I don't have it and don't think its worth it, to be honest. There are too many exclusions and it costs too much relative to the cost of the treatment you're likely to incur if you do end up paying yourself. Its all well and good people giving examples of how expensive the operation for their dog/cat/horse etc was, but that is not justification for reptile insurance. I can't think of any procedures that you're average reptile vet could offer that could cost more than a couple of hundred pounds so the risk ratio between insurance premium cost and cost of treatment just doesn't sit right to my mind.
 

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I have public liability through an exotics company, im better off having an emergency stash or credit card for the occasional vets bills.
 

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I have Exotic pet insurance - £100 per year for 3 of my tortoises ( vets bills only) £35.00 excess.

Trouble is my 3rd tortoise came to me with an undiagnosed respiratory infection so we had her treated before we put her on the policy - consequently they will insure her now as she has not been to the vets for 8 weeks but will not cover any further treatment related to the respiratory infection.
 

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one can dream :)
well i wouldnt keep animals without it. as i said i dont have a million to pay someone if my, cat,dog,horse,snake takes an eye out. it also gives me peace of mind. if i cant tend my animals, i have a clause that allows me to claim and pay someone to look after them. this is in case of illness or accident. my excess is also £35 and every year, like car insurance, i earn no claims. someone i know keeps horses and he drives them. one broke away with the cart on, crashed into umpteen cars, wrecked 3 fences and ended up with a broken leg, which was fixable. the bill for all of this was covered by insurance. all he paid was £50 excess,diff company, instead of thousands.
 

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I don't have it and don't think its worth it, to be honest. There are too many exclusions and it costs too much relative to the cost of the treatment you're likely to incur if you do end up paying yourself. Its all well and good people giving examples of how expensive the operation for their dog/cat/horse etc was, but that is not justification for reptile insurance. I can't think of any procedures that you're average reptile vet could offer that could cost more than a couple of hundred pounds so the risk ratio between insurance premium cost and cost of treatment just doesn't sit right to my mind.
sorry i quoted wrong post in above post.
 
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