Unique animals, optimal protection
Discover bespoke insurance solutions for your exotic animals. nextsure provides comprehensive coverage and digital processing for rare and special pets. Ensure optimal coverage for your parrot, reptile, or amphibian.
Specialized Tariffs
Digital Claim Report
Expert advice online
Why Exotic Animal Insurance is Essential: Risks and Protection for Special Pets
High Veterinary Costs
Third Party Liability Claims
Loss or Theft
Specific Diseases
Which exotic animals can be insured? An overview
The world of exotic pets is diverse. Many owners wonder which of their special pets can be insured. In principle, insurance cover with nextsure is possible for a wide range of exotics, including reptiles such as snakes, lizards (e.g., bearded dragons, geckos), and turtles. Amphibians like frogs or axolotls, as well as various bird species, especially parrots, macaws, or cockatoos, can also be insured. Even certain exotic mammals that may legally be kept in Germany often fall under the cover. The species, keeping conditions, and the individual health status of the animal are crucial. Contact us for a precise assessment to see if your exotic friend can enjoy optimal protection with us. We analyze your situation and the specific needs of your animal to design a tailored exotic insurance plan. It is also important to comply with all legal regulations for keeping exotic animals, as this is often a prerequisite for insurance cover.
Special protection for exotics
Our services in detail
Veterinary costs
Coverage of surgery and treatment costs in the event of illness or accident of your exotic pet, including diagnostics and medication.
Liability Insurance
Protection against financial consequences if your exotic causes personal injury, property damage, or financial loss.
Theft protection
Compensation in case of theft of your insured exotic animal up to the agreed insurance amount.
Free Choice of Veterinarian
You decide which veterinarian or specialist treats your exotic animal.
Digital Service
Simple online contract management and fast digital claims reporting around the clock.
Customised Rates
Tailored insurance solutions precisely designed to meet the needs of your exotic pet.
International travel
Insurance coverage even during temporary stays abroad with your exotic (depending on the rate).
Death benefit
Financial compensation in case of the death of your animal due to an accident or covered illness (optional).
Transport costs
Coverage of necessary transport costs to a specialist veterinarian under certain conditions.
Optimal insurance, from macaw to iguana
Your exotic favorite,
optimally protected.
The Most Common Health Risks for Exotic Pets and How Insurance Can Help
Exotic animals are often more susceptible to specific diseases that require specialized and expensive veterinary treatment. In reptiles, for example, metabolic bone diseases caused by poor diet or lack of UV light, dystocia in females, or respiratory infections are common. Parrots and other birds can suffer from psittacosis, aspergillosis, or feather plucking. Amphibians have very sensitive skin and are prone to fungal infections. An exotic insurance policy from nextsure covers the costs for diagnostics (e.g., X-rays, blood tests), medication treatments, necessary surgeries, and even special therapies that must be carried out by exotic specialists. This protects you from unexpected, high veterinary costs and ensures that your pet receives the best possible medical care. The exact range of benefits varies depending on the tariff and type of animal.
Liability for Exotic Pets: Protection Against Damage Caused by Your Animal
Even though exotic animals are often kept in terrariums or aviaries, there is always a residual risk that they may escape and cause damage or injure third parties. A parrot could damage valuable items, an escaped snake could cause panic. The liability component of exotic insurance covers personal injury, property damage, and resulting financial losses caused by your exotic animal to third parties. This is especially important as the damages can quickly become significant, particularly in cases of personal injury. nextsure reviews which specific liability risks are associated with keeping your exotic pet and offers appropriate protection. Here, too, legal regulations for safe keeping must be complied with to avoid jeopardising insurance cover. Secure yourself financially with our exotic animal liability insurance.
Costs of Exotic Animal Insurance: Factors and Price Examples
The cost of exotic pet insurance is individual. Various factors influence the premium: the species, age, and health condition of the animal at the start of the insurance. The desired level of coverage is also crucial: a pure surgery cost coverage is cheaper than full coverage. Other factors may include the value of the animal and the chosen deductible. At nextsure, we value transparency. As a rough guide: insurance for smaller reptiles or amphibians can start at around 10-20 euros per month. For larger parrots or rare exotics, the premiums can also be 50 euros or more. Request a personalised quote to learn the exact costs for your pet and to find the optimal plan for your needs and budget.
Finding the Right Exotic Pet Insurance: Tips for Comparison
Selecting the right exotic animal insurance requires care. Pay attention not only to the price but especially to the coverage. Compare which veterinary costs are specifically covered: Are surgeries, diagnostics, medications, and hospital stays included? Is there a maximum limit per claim or per year? Is free choice of veterinarian possible? Check the conditions for liability coverage: What is the sum insured? Are there any exclusions? An important point is also the waiting periods and any age limits for obtaining the policy. Read the fine print regarding exclusions, such as for pre-existing conditions. nextsure supports you with clear tariff information and a transparent presentation of the services.
Digital Platform
Manage everything online
Expert advice
Experts by your side
Niche portfolio
Find special solutions
Digital conclusion and management of your exotic insurance with nextsure
At nextsure, you benefit from a fully digitised process for your exotic pet insurance. From requesting a quote to concluding the contract and reporting a claim, you can conveniently manage everything online. Our platform is user-friendly, allowing you to find the right coverage for your exotic pet quickly and easily. Simply upload relevant documents and manage your contract digitally in your personal customer portal. In the event of a claim, you can also submit invoices and receipts digitally, ensuring quick processing and payout. This digital efficiency saves you time and effort. Despite the digital focus, our expert team is always available to assist with questions or provide personalised advice.
Specifics of Keeping Exotic Animals and Their Impact on Insurance
The keeping of exotic animals is often subject to strict legal regulations. These include requirements for terrariums or aviaries, proof of legal origin (CITES documents), and possibly a registration obligation. Compliance with these regulations is crucial not only for animal welfare but also as a basic prerequisite for insurance coverage. Insurers like nextsure may require proof of appropriate husbandry. Violations of husbandry regulations may lead to a refusal of benefits in the event of a claim. Therefore, make sure you are well-informed about the specific requirements for your animal. Proper and safe keeping also minimises risks such as escapes or illnesses, which can positively impact no-claims status.
Exotic animal insurance as part of a comprehensive pet owner strategy
An exotic animal insurance policy is an important component, but often only a part of a comprehensive protection strategy for pet owners. Depending on your life situation and other animals in the household, additional insurance policies may be sensible. For instance, if you also own dogs or horses, you will require separate liability insurance for pet owners. A pet health insurance policy can also cover high costs for these animals. Consider whether legal protection insurance might be advisable in case of disputes related to your animal care. nextsure, as a digital insurance portal, offers a wide range of niche insurance solutions. We are happy to advise you on how to optimally integrate your exotic animal insurance into your existing insurance portfolio and close any potential coverage gaps.
What exactly does an exotic pet insurance cover?
In the event of damage, quick and correct action is important. If your animal is ill or injured, seek out a veterinarian immediately – ideally a specialist in exotic animals. Inform nextsure about the incident as soon as possible, conveniently through our digital customer portal. Have your contract number, details of the incident, diagnosis, and photos ready. Submit all invoices and receipts completely digitally. For liability claims, document the damage carefully, take photos, and record the contact details of witnesses or those affected. Report the damage here as well without delay. Our team at nextsure will review your case and inform you of the next steps, aiming for transparent and swift processing.
