Birds are very delicate species and they need to get their basic requirements in the form of proper food, shelter and care. As all pets, birds are also susceptible to various diseases and injuries, some which can be life threatening. Bird insurance is an easy and effective way of securing your pet bird in case of such conditions. Most of the bird owners consider it as redundant and expensive but they should know that it is cheaper than cat, dog and rabbit insurance but equally important. It can alleviate the dangers and provide a safe plus sound life to the pet birds. Bird insurance can help people in reducing the financial burden by covering the vet fees.
Most of the pet insurance companies provide insurance for dogs/cats only but some insurance companies have understood the need to provide insurance to pet birds.
Important Points before Purchasing Bird Insurance
Not all bird insurances are created equal, thus it is important to consider various parameters while buying one. Some key consideration before buying bird insurance are:
- Species of the bird: Bird owners need to go through the policy guidelines for checking if their pet birds fall under the guidelines of the insurance company. It is required because some insurance companies do not provide insurance for some bird species.
- Lifetime Advantages: This is often recommended to go for the insurance policy with lifetime benefits. This policy would insure the pet throughout its life along with the maximum coverage. These are various coverage aspects under this policy such as health, medication, surgeries etc.
- Affordability of the policy: People should check for the insurance cost before purchasing it and they should keep equilibrium between the maximum coverage with minimum cost.
Benefits of Bird Insurance
Most of the bird owners do not opt for bird insurance after they bring the pet bird to their places. They simply do not think about it but birds also need the similar safety like cats, dogs and rabbits. When they fall ill, it costs high in terms of veterinarian bills due to lack of specialized bird vets, then only they realize it's importance. Thus, bird insurance is highly recommended. Some of the major advantages of bird insurance for a pet owner are:
Feeling of security and peace of mind for pet owner
Pet owners love their birds, but in many cases when their birds falls sick or get injured it becomes too expensive to visit a vet. This is emotionally stressing for a pet owner who wants to ensure health of the pet bird but cannot do it because of costs involved. Bird insurance ensures that bird owner does not have to think twice before visiting a vet and thus their pet bird can live a long and healthy life!
Second key advantage of bird insurance in the form of financial management where bird owners do not need to worry about the finances required to pay against the bird illness or injury. Urgent problems are financially resolved with the simple co-payment procedures and the remaining amount is billed later. This remaining amount is not paid by the insurance company and it could be 15-20% of the total vet fee. There may be some companies which may not offer direct payment to the veterinarian but they would later reimburse the amount to the pet owner. If the veterinarian is authorized by the insurance company, then vet can wait till the bird owner receives the payment from the insurance company.
Covers various treatments
Basically, bird/avian pet insurance provide benefits with regard to the health care and routine care. Under health care cover, birds are insured against accidents, surgeries and illness medication. There is further inclusion of other health-oriented treatment procedures like prescriptions, hospitalization, laboratory fees, neoplasia surgery, feather-picking, self-mutilation and diagnostic tests. Routine care policy covers costs associated with the routine visits to the vet for frequent check-ups. These checkups include vaccinations, dental cleaning and other relevant health-related examinations. There are other all-embracing bird health plans like blood testing, nail plus wing trimming, routine exams and fecal exams.
Types of Bird Insurance
Bird insurance policies can be divided into three types namely Simple Policy, Medium priced Policy and Lifetime Coverage Policy.
This policy provides coverage against all the fundamental requirements of the bird along with the related aspects of illness. At the same time, there are some financial and timely limitations in this type of policy. For example if pet bird has fallen sick and it has crossed the policy limits, then insurance company would not provide coverage against the sickness.
Medium priced Policy
Medium priced policies are required to cover longer illness insurance with some financial limitations. These policies cover the vet expenses but the cost of the policy may vary depending upon the specie of the bird. If bird belongs to the rare species, then it can be very expensive to provide coverage for their recovery. There are certain time limitations with a need to renew the plans and one need to check the policy guidelines before purchasing it.
Lifetime Coverage Policy
This is one of the best bird pet coverage policies. At the same time, it is the costliest of all the three types of insurance policies. There are various benefits of this policy including coverage against medical surgeries, sickness, bird theft and other health related problems. This policy is quite suitable for pet as well as the pet owner. These are no timely limitations over this policy and it covers the bird pet throughout its life. There is additional coverage if the bird gets attacked by outside pests.
Top Bird Insurance Providers
VPI Pet Insurance
VPI is one of the renowned bird insurance providers and they provide coverage against injuries, accidents and illnesses like cancer as well as other chronic disease. There are various other covers for examinations, X-rays, prescriptions, lab fees and hospitalization. There is a fixed deductible amount of $50 and there can be variations in the reimbursement percentages depending upon the type of plan.