Make Your Bird's Life Amazing with Pet Insurance: Here's How

Make Your Bird’s Life Amazing with Pet Insurance: Here’s How?

When most people think of pet insurance, they envision purchasing it for the family dog or cat. Only some people contemplate that additional pets may also be covered by a policy. Birds are included, and why shouldn’t they be? These animals stay with their owners for a long time and can become profoundly involved in their lives, so it stands to reason that they’d require the occasional bit of expensive medical treatment and that their owners would be more than prepared to pay for it.

Pet insurance is something you should consider if you have a pet bird. This tutorial will teach you all you need to know about protecting your bird. When pet insurance initially became available, it only covered dogs and cats. That was until recently, when exotic insurance became available, an umbrella phrase encompassing protection for pet birds and other animals.

Birds are rare in American houses. Nonetheless, their numbers need to be more significant to be overlooked and discarded by insurance firms. About 20 million birds are cared for by around 6 million American families. Avian pet insurance (bird insurance) is uncommon and difficult. That is why we researched and prepared a list of all the avian insurance choices available to US residents.

Is Pet Insurance Necessary for Your Bird?

The necessity of pet insurance is a contentious issue, and it ultimately boils down to personal discretion. Would you rather have a manageable monthly expense or risk the chance that your bird may never require expensive medical care?

Birds are often healthy pets if properly cared for. But, treating those problems might be pricey if they become ill or wounded. It is especially true because many veterinarians don’t see birds very often. You may have to seek around for someone who specializes in birds, and they may not be the most affordable doctor in your area.

The typical cost for a vet visit for your bird can be a hundred bucks or more, and some treatments can run into thousands of dollars. If your bird is accident-prone (and some birds are real klutzes), these visits could be frequent. Remember that many birds live longer than other pets – sometimes decades longer. The chances of something going wrong are much higher.

How Much Does Bird Pet Insurance Cost?

The premium cost for your bird will vary depending on several criteria, including the provider you select, the coverage you desire, and the species you own. Nonetheless, typical monthly premiums vary from $10 to $50. Expect those numbers to rise as your bird ages. They could rise significantly if your pet has a serious ailment that necessitates continuing treatment (if your insurer continues to cover you).

Using simple back-of-the-envelope math, pet insurance can cost up to $600 annually on the high end. Given that some treatments can cost more than that on their own, it comes down to weighing the possibility that your bird will require expensive medical care.

Waiting too long, on the other hand, can have significant effects. If your bird becomes ill or wounded before being insured, your premium will rise (and many companies will refuse to insure you). Also, the older the bird, the more expensive your policy will be.

Supply and demand have always determined the pricing of goods and services. Regarding pet birds, both factors are important, but the rarity and extravagance of the bird you want also significantly affect its price.

The size of a bird also affects its price, whether it is coincidental or not.

  • The price of small birds ranges from about $10 to about $350:
  • A Finch costs between $10 and $100;
  • Budgies ($10-$35);
  • The canary ($25-$150);
  • The parrotlet ($100-350).

The price of medium birds ranges from $20 to almost a grand:

  • The Dove brand ($20-$100);
  • The cockatiel ($50-150);
  • The conure ($150-$500);
  • Parrots of the Pionus species ($200-$900);
  • A Lory costs between $400 and 900 dollars.
  • A large bird can cost more than $5,000:
  • The cockatoo ($800-$5,000+);
  • Parrots from Amazon ($400-$3,000+);
  • African Grey ($600-$2,000);
  • Macaw ($900-$5,000+).

Take notice that the cost of your bird is not the end of your spending. You’d also have to include the expense of the habitat, food, supplies, and maintenance equipment.

They would cost between $300 to $1,200 in total.

Finally, there are vet bills to consider. Your beautiful avian will eventually become ill and require medical attention. Below, we’ll go through how much certain medical conditions cost to treat.

What Is the Most Harmful to Birds?

If you truly care about your pet bird, you must constantly educate yourself on the dangers to its health. Birds are more susceptible to disease and injury than cats and dogs, so you must be vigilant to avoid hefty care expenditures.

If you let your birds fly around, they may damage themselves by colliding with walls, ceiling fans, mirrors, or glass. The result can be broken limbs and wings, feather loss, bleeding, or trauma. Regarding diseases, let’s start with the avian flu, which was recently discussed. The virus primarily affects flocks of birds or those raised for food, not pet birds, so you should be fine.

What you should be concerned about are parasites. They can be given directly to a bird from pet owners, other animals, or food. These are extremely harmful, and your bird may require rapid veterinarian intervention.

Some diseases, such as polyomavirus, psittacosis, and proventricular dilatation, are caused by viruses or bacteria that can cause extensive internal organ damage, eventually leading to death. Identifying the signs and sending your bird to the doctor immediately is critical to avoiding the most serious complications.

What does Bird Insurance cover?

When it comes to birds and other exotic pets, there is no “typical” coverage; each business has different policy options, and many do not cover these animals.

Most businesses will work with you to give you the coverage you desire (for a price, of course). Pet insurance policies typically cover the following items:

  • Veterinary visits
  • Surgeries, lab costs, and X-rays
  • Stays in the hospital

Other policies are targeted towards preventative care; they will feature significant incentives to bring your bird in for frequent checks and keep them fit and healthy. Consequently, this minimizes the possibility that it’ll require costly medical care.

Others are primarily focused on disasters. They will cover accidents and certain diseases but may need to be more helpful when paying for exams and drugs.

Purchasing pet insurance for your bird can allow you to be paid for vet fees incurred when they become unwell or injured.

All of the conditions described above, as well as others, are covered by bird insurance. To be more specific, your insurance plan may cover accidents or injuries, diseases, escape or theft, examinations, lab costs, medications, X-rays, hospitalization, and even basic care.

And healthy, as this minimizes the likelihood that they may require costly medical treatment. 

Take a look at the top 10 bird conditions and the prices to treat them to get an idea of how much a vet visit could cost you if a pet insurance policy doesn’t protect your bird:

  • Feather picking/loss costs an average of $305; 
  • Excessive egg-laying costs an average of $396;
  • Soft tissue trauma costs an average of $210.
  • Diarrhea costs an average of $251; 
  • A runny nose costs an average of $265.
  • Liver disease – average cost: $395;
  • Intestinal parasites cost an average of $41; 
  • Upper respiratory infection costs an average of $328.
  • Dehydration/constipation costs an average of $240, 
  • while arthritis costs an average of $178.

Given that birds can live far longer than dogs and cats (many have a lifespan of 50+ years), picture the financial impact if you need to visit the vet many times a year.

All of this is avoidable by purchasing bird insurance. Let’s have a look at how.

Does every pet insurance company cover birds?

No, birds are often classified as “exotic pets,” along with lizards, snakes, guinea pigs, and other animals.

Only some firms provide exotic pet coverage; covering cats and dogs are more profitable. Non-traditional pet expenses can be more unpredictable than those connected with their more usual counterparts.

Exotic pet alternatives will be available from many main corporations, and some smaller organizations may even specialize in unusual animals. The main thing is to ensure that the firm will cover everything you require at a reasonable cost and that you can rely on it to be there for you when you require it.

To that end, you should conduct research before purchasing a policy. Examine other people’s experiences with the company to ensure it will truly have your back in an emergency.

Having a sick or injured pet is already stressful. You don’t need your insurance company to aggravate matters.

What Should You Consider While Purchasing Bird Pet Insurance?

As a result, the first thing you should do is confirm that the company covers birds. You should take it further and ensure it covers your bird species – only some companies will insure every bird.

If your pet is older or has pre-existing issues, you should check with the company to see if you can still be accepted (and how much more it will cost). Some companies don’t care about your age or previous health difficulties, while others will immediately reject you.

Once you’ve determined that a company has policies will benefit you, you should look into its coverage type. It is a personal opinion; some people prefer comprehensive coverage (and are willing to pay more), while others choose reduced premiums that only protect them in a catastrophic disaster.

Read on to learn about the company’s payout policy. Some firms pay your veterinarian in advance, while others demand you to pay first and then repay you afterward. If the company pays later, find out how much and what paperwork is required. Some businesses have you go through hoops to get your money back.

Do research to find out what kinds of experiences other customers have had with getting paid. Is the company’s payment on time? Is its customer service staff friendly and knowledgeable? 

After all, you don’t want your insurance company making your life more difficult – the opposite is what they should do.

Exotic Birds & Parrots Pet Insurance

When your pet has a major issue requiring costly surgery or medicine, pet insurance can be a lifesaver; however, is it acceptable when you have an exotic bird or parrot? Insurance may be a good investment depending on the bird’s age, condition, and species. Some insurance firms refuse to insure senior birds, while others charge higher rates based on your pet’s age. 

If you have a juvenile bird that will survive for several years or decades, you will pay lesser rates at first, but they will rise as the bird ages. Birds with health issues are less likely to be insured, and any company that provides coverage for a sick bird will charge high costs.

Birds are generally healthy when given the proper nutrition and care, but insurance is useful when dealing with a species like the Macaw, which can live for over 50 years. Before selecting a pet insurance company, make certain that there are no specific restrictions that might disqualify your pet. 

Some firms will not refuse “high-risk” birds but will demand a higher monthly fee. Pet insurance can be costly, but it’s worth it if you have a young, healthy bird that is clumsy or frequently requires vet attention.

Where Can I Obtain Bird Insurance?

There are fewer possibilities for pet insurance for exotic pets, such as birds, cats, and dogs. Fortunately, we’ve done considerable research and will give you all of the greatest options for bird insurance right here.


Nationwide is the only business in the United States that provides Bird & Exotic Pet Insurance. The remaining businesses on our list are, in reality, alternatives to bird insurance. The conditions that apply to a Nationwide avian insurance policy for you to be covered for your veterinarian bills are as follows:

A $50 flat deductible is required with each incidence; After meeting the 10% co-pay, we will reimburse you 90% of your vet charge. A benefit schedule lists the reimbursement limits for each illness and operation. Reimbursement is only available for the amount listed for the given diagnosis/procedure. Every veterinarian clinic can provide worldwide coverage.

14-day waiting period; no lifetime payout limit

The maximum reimbursement for a pet incident is $2,000, and the maximum annual payout is $7,000.

Nationwide now provides Avian Supplemental & Routine Care Coverage – wellness and preventive care coverage to keep your bird healthy and happy. It is an optional add-on that can be added to your Avian & Exotic Pet Plan during registration and has no deductible.

Please keep in mind that Nationwide will not cover birds that:

  1. Are there any endangered or threatened species?
  2. Are they poisonous or venomous?
  3. Are a cross between domesticated and wild/non-domesticated bird species;
  4. Are unlawful to possess under federal or state law;
  5. Federal or state legislation requires a license, permit, or registration.

What Does the National Coverage Include?

Nationwide will ensure your bird in the following situations:

  1. Lab tests and diagnostics;
  2. Taking examinations;
  3. The hospitalization process;
  4. Aspects of operations; 
  5. Accident and injury treatments;
  6. Infections, parasites, and cancer treatments;
  7. Medication prescribed by a physician;
  8. A pre-existing condition that has not recurred.

The wellness and preventive plan covers the following once a year:

  • Exam/office call – $25;
  • Treatment for parasites – $20;
  • The cost of culture is $45;
  • Titer or panel – $40;
  • Test for parasites/fecal examination – $10;
  • $20 for CBC;
  • Trim the wings for $7;
  • Trimming the beak – $7;
  • The cost of nail trimming is $7;
  • $181 is the total amount of benefits available.

Nationwide’s coverage excludes what?

Nationwide’s avian insurance policy excludes the following:

  • Having a pre-existing condition;
  • Congenital and hereditary conditions;
  • The benefit schedule does not include certain conditions;
  • Breeding and pregnancy;
  • Supplements and food for birds;
  • Boarding and transportation costs.

2. Pet Assure (USA)

This organization is not an insurance business in the usual sense. Rather, a discount card will cut expenditures at participating vets. When you visit your veterinarian’s office, show them the card you were given. Because this isn’t your standard pet insurance business, you only get a discount and not full coverage, and you must utilize a vet in their network.

The benefit of this plan is that you will immediately receive a discount on your vet expenditures. Your bird has no age restrictions, and pre-existing conditions will not prevent you from getting insurance. Also, there is no waiting period; you may sign up immediately. Click on the button below to learn more.

3. Exotic Direct (UK)

This UK pet insurer provides covers ranging in value from £2,500 to £5,000. They also provide coverage that covers death and theft. For example, if your bird costs £200, your coverage would cost just £4 per month for a ten-month term. This basic coverage includes death payments in an accident, injury, or disease and risk protection in the event of fire or weather.

In addition, the organization offers more comprehensive policies that cover up to £5,000 in veterinarian expenditures every coverage term. In 2016, they spent over £1,000 for a Blue-Fronted Amazon with respiratory problems and over £700 for a Macaw with the same condition. The company boasts a 93% renewal rate and a claim processing time of 5 days.

In the case of birds, do I need insurance?

A feathered buddy is always worth taking care of. If we’re ready to spend so much money ensuring our worldly belongings, they deserve our undivided attention.

We may not always consider their needs as we do our own or those of others close to us, but it does not mean they do not exist. And they’ll need us sooner or later, so why not be ready instead of paying a hefty vet cost at the last minute?

Pet insurance for birds is undoubtedly one of the most affordable options for other animals.


What is bird insurance?

Bird insurance is a type of pet insurance that provides coverage for medical expenses and other costs associated with owning a bird.

Why do I need bird insurance?

Bird insurance can help cover unexpected veterinary expenses like emergency care or surgeries. Additionally, it can give you peace of mind knowing you are prepared for unforeseen events.

What does bird insurance cover?

Bird insurance can cover various medical expenses, including vet visits, lab tests, medication, and surgeries. Additionally, some policies cover lost or stolen birds and liability if your bird damages another’s property.

What types of birds can be covered by insurance?

Most bird insurance policies cover common pet birds such as parakeets, cockatiels, and parrots. Some policies may also cover exotic birds and birds used for breeding or shows.

How much does bird insurance cost?

The cost of bird insurance can vary depending on the type of bird, the coverage amount, and other factors. Monthly premiums may range from around $10 to $50 or more.

Final Verdict

Pet insurance can be useful in times of disaster, but it is inappropriate for everyone. You should sit down and analyze various policies (as well as crunch some statistics) to determine whether or not insuring your bird makes sense in your situation.

If there’s one thing we can guarantee about pet insurance, it’s that if you have it, you won’t need it – and if you don’t, you’ll wish you did. It’s one of the universe’s laws.

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