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Cleos Welt

Liability

Liability insurance for exotic animals

Liability cover for owners of exotic animals such as snakes, spiders, or alpacas, with coverage of up to €10 million.

Sum insured:: up to €10 million
Number of animals:: up to 200 smaller animals or a maximum of 5 larger animals
Events:: covered (e.g. trade fairs)

Personal injury, property damage, and financial loss: up to €10 million
Search, rescue, and recovery operations: up to €1.5 million
Damage to rented premises up to €300,000; up to €5,000 in vacation accommodation
Commercial use covered up to €22,000 in annual revenue
Young animals up to 12 months old are covered
Meets the mandatory insurance requirement under the NRW Venomous Animals Act (Gifttiergesetz, €1 million)

Key exclusions

Animals subject to a keeping ban
Herds of more than 5 larger animals (e.g. alpacas, donkeys)

Google Rezensionen: 4,5/5 Sterne (210 Bewertungen)
Cleos Welt insgesamt (Anbieterbewertung, alle Versicherungen)

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Includes an update guarantee and a grandfathering guarantee (Besitzstandsgarantie); proof for authorities is provided directly after the policy starts.

Fact sheet: benefits, exclusions and waiting periods in detail

Cleos Welt

Health cover

Small pet insurance

Health insurance for small mammals, birds, and reptiles: reimburses surgery, treatment, and after-care costs up to the agreed maximum veterinary fee schedule (GOT) rate.

Waiting period:: 30 days, 6 months for specific surgeries
Coverage abroad:: up to 12 months
Age-based adjustment:: 3% premium increase per year

Surgery, treatment, and after-care up to the agreed maximum GOT rate
Medication as well as boarding and feeding during clinic stays
Specific surgeries (egg binding, otitis, malocclusion) after a 6-month waiting period
Remote diagnostics and consultation with a veterinarian
Optional: vaccinations, neutering, physiotherapy, and supplemental dental cover
Accidents are covered with no waiting period

Key exclusions

Pre-existing conditions and treatments recommended before the policy started
Myxomatosis/RHD in rabbits without proof of vaccination
Neutering/spaying without a separate agreement
Damage from Encephalitozoon cuniculi without a negative test (animal max. 1 year old)

Google Rezensionen: 4,5/5 Sterne (210 Bewertungen)
Cleos Welt insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at Cleos Welt

Cancellation possible at any time with 14 days' notice; sum insured and deductible (Selbstbeteiligung) as stated in the policy. Insurer: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.

Fact sheet: benefits, exclusions and waiting periods in detail

All details are taken from the provider's linked product page and the contract documents (IPID/policy conditions) published there; the insurer's documents prevail. Premiums, benefits and the insurance product itself may change – please verify the details directly with the partner before signing up; only the information provided there is binding.

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.^[1]

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.

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.^[2]

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 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.

Frequently Asked Questions

An exotic pet insurance policy with nextsure typically offers coverage for veterinary costs (surgeries, treatments), liability damages caused by your pet, and optionally against theft or death. The exact scope depends on the chosen plan. We cover many exotic animal species, from reptiles to birds, as well as certain amphibians and small mammals.

Sources

[1]Cleos Welt – Haftpflicht für exotische Tiere (Haftpflicht): Produkt- und Tarifinformationen
[2]Cleos Welt – Kleintierversicherung (Krankenschutz): Produkt- und Tarifinformationen(Risikoträger: Uelzener Allgemeine Versicherungs-Gesellschaft a.G.)

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Information last updated: July 2026 · Source: provider product information (IPID/policy conditions)