Pet Insurance for Birds | Review, Coverage, & Costs

By | 2018-06-02T10:38:41+00:00 June 2nd, 2018|Pet Insurance|0 Comments

Your bird is a member of your family. Like any other member of your family, your bird sometimes incurs medical costs. Have you ever considered obtaining pet insurance, to help with the medical costs associated with caring for your bird? While there are limited available options when it comes to pet insurance for birds, compared to the many companies offering coverage for dogs and cats, avian insurance is available and may be a valuable way to help you care for your pet.

Important Facts to Know:

  • Coverage for birds is only offered by Nationwide, read review below
  • Coverage costs about $15 to $20 per month
  • Additional routine wellness plans are available for nail and beak trims
  • Should be considered for financially and emotionally valuable birds

In general, pet insurance is intended to cover veterinary expenses associated with accidents and illnesses. These expenses may include physical examinations, laboratory tests, prescription medications, surgeries (ex. ACL surgery), and hospitalization. There are a number of veterinary expenses, however, that are not typically covered by pet insurance. In most cases, pet insurance does not include coverage for routine wellness care, or any care that is related to a congenital or hereditary condition.

It is also important to understand that pet insurance functions differently than human insurance. When your pet receives veterinary care, it is your responsibility to pay for those services at the time that the services are provided. You will then submit your receipt, along with additional paperwork, to your pet insurance provider in order to receive reimbursement. The insurance company will reimburse you for a portion of your costs, based upon a set fee schedule that they use to calculate reimbursement amounts for specific conditions.

Nationwide's Veterinary Pet Insurance for Birds Review

Nationwide Insurance for Birds Website Screenshot

According to Nationwide, the cost of pet insurance for a bird typically ranges from $15-20 per month. Most years, the cost of insurance is likely to exceed the cost of your bird’s reimbursable medical expenses. However, if you have a valuable bird (whether financially or emotionally valuable!), pet insurance can provide a tremendous benefit in the case of an expensive illness or emergency. If your bird experiences a respiratory emergency, for example, caring for this condition can easily cost thousands of dollars. Having pet insurance available to reimburse your expenses can decrease the strain on your finances, or even allow you to pay for care that you would otherwise be unable to provide for your pet.

Coverage

At this time, Veterinary Pet Insurance (an offering of Nationwide) is the only company providing pet insurance coverage for birds and other exotic pets. Their plans cover the same expenses that are covered by most other pet insurance plans, including accidents, illnesses, examinations, laboratory fees, prescription medications, surgical procedures, and hospitalization. 

Routine wellness care (including nail and beak trims) is not typically covered by Veterinary Pet Insurance, unless you elect their additional Avian Routine Care coverage. Veterinary Pet Insurance also excludes a number of medical conditions from coverage. They will not typically cover the treatment of parasites, costs associated with medicated diets, or the treatment of most behavioral conditions.

It is important that you check your policy carefully, for services covered as well as any exclusions, in order to fully understand your pet insurance options. Companies frequently change their policies and the only way to ensure accurate information is to request this information directly from the insurance provider.

About the Author:

Dr. Catherine Barnette is a veterinarian and freelance writer, with twelve years of clinical experience caring for canine, feline, and exotic patients. She currently resides in North Carolina with her husband, daughter, three cats, one dog, one dove, and three horses.

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