Pet Insurance for Birds
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Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
UPDATED: Feb 3, 2025
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.
UPDATED: Feb 3, 2025
Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.
And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.
On This Page
Bird owners know how much fun birds can be and how they become an integral part of the family.
After all, you feed, play and take care of your bird on a daily basis. And make sure they stay happy and healthy.
If they stay healthy, birds can have a very long life span.
Just as you would consider pet insurance for your dog or cat, did you know that pet insurance is also available for birds?
While there aren’t many options available, pet insurance for your bird can be valuable for many reasons.
Many people don’t know it, but there are pet insurance plans for just about any animals, even reptiles.
Read more: Pet Insurance For Reptiles
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FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Table of Contents:
How Pet Insurance for Birds Can Help
Just like any pet, birds need vaccinations, annual vet visits, and check-ups for any medical condition that could occur.
In fact, some birds can live up to twenty-five years and of course, there will be health issues that can arise over the years.
Birds, unlike dogs and cats, are more susceptible to avian disease and other parasites.
However, their immune system is not as strong and when they do get sick, they need to be treated as soon as possible.
And if your bird gets really sick or hurt, the vet bills can become very expensive.
Don’t be surprised if one serious illness leaves you with a vet bill anywhere from $5,000 to $10,000.
And that’s when pet insurance becomes extremely valuable.
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Pet Insurance for Birds Explained
The only pet insurance company that offers full coverage pet insurance for birds and other exotic pets is Nationwide Pet insurance.
While it certainly makes it easier for you to choose, but you don’t have much leverage in terms of pricing.
Read more: Pet Insurance for Exotic Birds
Related: 10 Things You Must Know Before You Buy Pet Insurance
Illnesses in Birds
Birds are prone to some of the following illnesses and conditions:
- Respiratory Illness
- Salmonella
- Avian Pox
- Mites & Lice
- Lyme disease
- Fungal Infections
With pet insurance, 90% of the bills will be covered as long as the illness is not pre-existing.
Pet Insurance Coverage
Pet insurance for birds works much the same as it does for dogs and cats.
The comprehensive coverage covers virtually any accident or illness that might occur to your bird.
Some of the procedures and treatments that are covered for birds are the following:
- Illnesses
- Accidents
- Diagnostic Tests
- Specialist Visits
- Surgical Procedures
- Hospitalization
- Lab Fees
- Medication
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Wellness Plans
With Nationwide, their routine wellness plan is not included in their typical coverage.
However, if you add their Avian Routine Care coverage, you can be covered for the following:
- Nail Breaks
- Beak Trims
- Vet Exams
- Vaccinations
- Parasites
Pet Assure also offers preventative care coverage which acts differently than pet insurance but will provide coverage for the following:
- Skin allergies
- Skin infections
- Gastritis (vomiting)
- Infections
- All illness
- Pre-existing conditions
Read more: Does pet insurance cover gastritis?
For a monthly fee, you can get a 25% discount on all vet procedures including pre-existing conditions.
While this is a good alternative, with pet insurance, if your bird gets really sick or hurt, you will be covered up to 90% of the vet bill.
Congenital, Hereditary Conditions Coverage with Bird Insurance
Congenital or hereditary conditions are covered under pet insurance.
Parrots, for example, are prone to get parrot fever and Psittacine Beak and Feather Disease (PBFD).
With pet insurance, these conditions will be covered.
Bird Insurance Specialist Care
When you go to a vet for your bird, you would want to see a vet that specializes in avian care.
Since there are aren’t as many choices of vets that specialize in bird care, the vet bills will tend to be higher.
Yet another reason to consider pet insurance for your bird.
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What Isn’t Covered with Bird Pet Insurance
Just as in most pet insurance policies, the following are not covered:
- Any Cosmetic Procedure
- External or Internal Parasites
- Pre-Existing Conditions
- Endocrine disorders
Cost of Bird Insurance
With all pet insurance, including bird insurance, the price can depend on where you live, that age of your bird and the type of bird you have.
- Nationwide’s cost for birds can range from $15 to $20 a month.
- Pet Assure cost for avian preventative care is about $10 a month.
Reimbursements and Deductible
Nationwide’s avian plan will reimburse you up to 90% of your vet bill.
The deductible is a $50 per-incident deductible up to the policy allowable maximum.
This means that you will need to pay a $50 deductible for each illness or injury your bird develops.
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Bird Pet Insurance Benefit Limits
Similarly, Nationwide has only one option of per-incident benefit limits for your bird.
The maximum payout per incident is $2,500.
The maximum pay-out each year is $9,000.
Therefore, in considering pet insurance for your bird, you need to determine whether $9,000 is enough of a payout each year to enroll.
Enrollment
When enrolling in pet insurance for your bird, your bird needs to be at least 3 months old.
And you need to have owned your bird for 60 days or more.
Waiting Period
There is a 30 day – waiting period which is sometimes referred to as the free-look period.
What this means is you have up to 30 days to decide if you want to insure your bird with Nationwide.
And they want to make sure your bird doesn’t develop any pre-existing conditions.
Need Pet Insurance?
FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!
Enter your ZIP code below to view companies that have cheap pet insurance rates.
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Bird Insurance Claims
Just like pet insurance for dogs and cats, you can submit your claims online or via fax.
Always have copies of your bills and invoices available to submit. The claims are usually paid within 30 days and on your actual vet bill.
Summing Up Pet Insurance for Birds
If you have a bird and are considering pet insurance, it certainly can help offset the costs if your bird gets sick or hurt.
The good news is that the price is relatively inexpensive and all it takes is one major illness and your pet insurance will pay off in the long run.
Talk to your vet to see if pet insurance makes sense for you and the conditions that might occur in your bird.
Have a list of questions ready and give Nationwide at 1-800-874-0362, or go to Nationwide and see if a bird insurance policy is good for fit for you and your bird.
Learn More About Nationwide Now
Frequently Asked Questions
Why should I consider pet insurance for my bird?
Just like dogs and cats, birds require regular veterinary care, vaccinations, and may face potential health issues. Pet insurance for birds can help cover substantial vet bills, especially in the case of serious illnesses or injuries.
Are there specific insurance plans for birds?
Yes, Nationwide Pet Insurance is the primary provider offering full coverage for birds and other exotic pets. Their avian plan covers a range of procedures and treatments, providing up to 90% reimbursement for vet bills.
What illnesses are common in birds?
Birds are susceptible to avian diseases and parasites. Common illnesses include parrot fever and Psittacine Beak and Feather Disease (PBFD). With pet insurance, these conditions are typically covered, provided they are not pre-existing.
What does pet insurance for birds cover?
Pet insurance for birds works similarly to plans for dogs and cats. It covers accidents, illnesses, and various procedures. Additionally, some insurance providers offer wellness plans for routine care, which may include vaccinations and check-ups.
What is not covered by bird pet insurance?
Similar to other pet insurance policies, pre-existing conditions, and certain procedures may not be covered. It’s essential to review the policy details to understand specific exclusions.
How much does bird insurance cost?
The cost of bird insurance, like any pet insurance, depends on factors such as location, bird species, and age. Nationwide’s avian plan, for example, reimburses up to 90% of vet bills, with a per-incident deductible and maximum payout limits.
How do reimbursements and deductibles work with bird insurance?
Nationwide’s avian plan reimburses up to 90% of vet bills, with a $50 per-incident deductible. The deductible is applied to each illness or injury, and there are maximum payout limits per incident and per year.
What are the benefit limits for bird pet insurance?
Nationwide offers per-incident benefit limits for birds, with a maximum payout of $2,500 per incident and $9,000 per year. Prospective bird owners should consider whether this annual limit is sufficient for their needs.
When can I enroll my bird in pet insurance?
To enroll in pet insurance for your bird, it should be at least 3 months old, and you must have owned it for 60 days or more. There is a 30-day waiting period to ensure that pre-existing conditions are not present.
How do I submit claims for bird insurance?
Similar to pet insurance for dogs and cats, claims for bird insurance can be submitted online or via fax. It’s crucial to keep copies of bills and invoices, and claims are typically processed within 30 days.
Enter your ZIP code below to view companies that have cheap pet insurance rates.
Secured with SHA-256 Encryption
Dr. Pippa Elliott BVMS, MRCVS
Veterinarian
Dr Pippa Elliott BVMS, MRCVS is a veterinarian with over 30 years of experience in companion animal practice. In 1987 she graduated from the University of Glasgow, with a degree in veterinary medicine and surgery. She works at Blythwood Vets and the People’s Dispensary for Sick Animals (PDSA). Pippa is an advocate of Fear-Free Practice, an animal addict, and a veterinary writer. She is also w...
Veterinarian
We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.