People who invest in pet insurance have increased, especially since the onset of the pandemic. According to the North American Pet Health Insurance Association, this is because of the increased number of pet owners since remote work increased, the stronger bond formed between pets and owners, and the distress the pandemic caused for pets. But even without the pandemic as an aggregator, the number of insured pets is still expected to grow.
When pets come to mind, you may immediately think of common pets like cats and dogs. However, birds and other exotic animals are also pets, and they are covered by pet insurance as well.
Why get your bird insurance?
If you have a feathery companion for a pet, consider the following reasons to get them insured:
Veterinary costs are expensive
The cost of vet visits has increased greatly in response to the rising prices of tests, scans, and pharmaceutical products. However, it is even higher for birds. Like specialized human care, Sound Dollar highlights how exotic pet care costs more. Birds, reptiles, and pocket pets are taken to vets with specialized training due to their unique anatomy. Vets will also use advanced equipment and unique methods, adding to the already pricey bill.
Annual check-ups are also advised for birds, with some vets requiring two visits a year. A regular bird check-up consists of a physical examination, blood testing, specialized testing, fecal analysis, microbiological testing, and radio-logical testing. The number of tests sounds intimidating, but they are standard procedures needed to ensure your bird is in good health. With insurance, you will not have to be intimidated by the costs of these tests.
Accidents can happen
Unfortunate instances can happen when you least expect them. For example, your bird may experience an attack from a dog, cat, or a fellow bird, which may leave them sick or hurt. One common injury in birds is a broken wing or fracture, which would need immediate and delicate care. Shiraz University’s study reports that metal pins are used to treat this type of injury, and they would need to be surgically removed after the bones heal — a task that cannot be done by the owners.
Broken blood feathers are also common among birds. This happens when new feathers start to grow on their body, which is still fragile since they have yet to fully develop. As a result, blood feathers are prone to breaking, which can cause blood loss. Birds are small animals, therefore they cannot tolerate blood loss as well as larger animals. If left untreated, broken blood feathers may prove fatal to your feathery friend.
Underlying health concerns may arise
Keeping your pet in a good condition is a must, but health issues will still occur no matter how much you prepare. A common health condition among birds is a worm infection, as discussed in our post on the Most Common Pigeon Diseases. Worms will deny food and nutrients from your pet, causing them to lose weight. If left unattended, worms may also penetrate their intestinal walls and harm other vital organs like their heart or lungs. Treatment for worm infections requires medication in order for your pet to recover.
Avian conjunctivitis’ is another disease whose most common victims are house finches. The symptoms of this disease include swollen, crusty, or runny eyes. If the case is severe, the bird’s eyes may be swollen shut. This can be managed through saline flushes and antibiotics, which should be prescribed by a veterinarian. If left untreated, this infection may lead to death. If you have pet insurance, events like these can be approached with less worry and stress as you will have the knowledge that the costs are covered.
What does bird insurance cover?
Usually, pet insurance providers will offer the following:
– Annual medical check-ups
– Wellness care
– Major accidents
– Diagnostics and laboratory fees
– Advised hospitalization
However, the full coverage is still dependent on your chosen provider. Some providers offer something extra, like over-the-counter bird medication and therapy fees.
How much does bird insurance cost?
Insurance costs for birds may vary depending on multiple aspects such as your choice of provider, the species you own, and the type of coverage you choose to avail. Pet Keen reports that costs are also going to increase as your pet ages and if they require ongoing treatment. The price usually ranges from $10 to $50 monthly, but it is best to set aside an amount of at least $600 annually to cover your pet’s insurance.
Take note that costs may skyrocket the longer you wait, especially if your bird gets injured or sick prior to investing in insurance. Older birds have higher premiums, as they are at the most risk.
How to apply for bird insurance?
The first step to take is to search for companies that provide insurance for exotic animals, as not all of them do. After your search, consider the coverage and premiums they offer to determine which would best suit you and your pet. Keep in mind the differences in cost and the benefits of each plan. Some plans cover pre-existing conditions, which may benefit your pet if they need ongoing care.
Lastly, read reviews and testimonials from past and current pet owners that have availed of the insurance you plan to get. It is vital that you do this so you know what and what not to expect from the company. Furthermore, carefully go through the terms of their policy to avoid future complications.
Our pets’ value and role in our lives are irreplaceable. Like humans, they will need treatment and care in the event that they are sick or injured. Investing in bird insurance not only protects our feathery friends but also allows us to care for them to the best of our ability. It ensures us that they are well taken care of and that they live the best life possible.
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