standard_hero

Exotic insurance

We've got your exotic animal covered - reptiles, turtles, birds or small mammals, with a range of policy options packed with added benefits to suit.

Compare our cover types to find the best insurance for your exotic animal

We appreciate exotic pets are just as much a member of the family as cats and dogs. We know how vet bills can quickly add up when illness or injury strikes your much-loved reptile, turtle, bird, rabbit or other exotic animalsPetcover offers Germany’s only exotic pet insurance cover for veterinary fees, including alternative and complementary treatment, death from injury or illness, advertising and reward in case of a missing pet and much more. 

Petcover offers three types of cover – Premier, Plus and Value.
O
ur comparison table below outlines the key differences to help you choose the option right for you and your exotic pet.

Not available for small mammals.

Benefits

  • Veterinary fees

    Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

    Up to €5,000

  • Alternative or complimentary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to €500

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

    Up to €300

  • Saying goodbye

    Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procesure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

    Up to €100

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Injury: No waiting period
    Illness: 14 Days

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim.

    €30 or €130

  • Advertising and reward excess

    The amount you will be required to pay for each non-related claim for advertising and reward.

    Up to €50

  • Referral hospital or specialist vet

    Excess for the cost of referral/specialist vet treatment, if the pet is referred by the primary vet. Policy holder to pay fixed excess and additional 10% of the vet's invoice(s).

    Fixed excess + 10% of vet invoice(s)

  • Dental treatment (small mammals only)

    Excess for the total cost of dental treatment for small s mammals. Policy holder to pay fixed excess and additional 50% of the vet's invoice(s).

    Fixed excess + 50% of vet invoice(s).

Optional extras

  • Death from injury or illness

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

    Purchase price
    (no excess)

  • Loss from theft, fire or weather perils

    Cover for the price you paid for your pet if it is stolen due to force or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood.

    Purchase price
    (+ 10% excess)

  • Loss from not returning whilst flying (bird of prey only)

    Cover for 50% of the price you paid for your bird of prey (or market value) if it is proven missing whilst flying and is not recovered or does not return.

    Purchase price
    (+ 50% excess)

Benefits

  • Veterinary fees

    Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

    Up to €3,000

  • Alternative or complimentary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to €400

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

    Up to €200

  • Saying goodbye

    Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procesure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

    Up to €100

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Injury: No waiting period
    Illness: 14 Days

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim.

    Birds or reptile: €30 or €130
    Small mammals: €60 or €160

  • Advertising and reward excess

    The amount you will be required to pay for each non-related claim for advertising and reward.

    €50

  • Referral hospital or specialist vet

    Excess for the cost of referral/specialist vet treatment, if the pet is referred by the primary vet. Policy holder to pay fixed excess and additional 10% of the vet's invoice(s).

    Fixed excess + 10% of vet invoice(s)

  • Dental treatment (small mammals only)

    Excess for the total cost of dental treatment for small s mammals. Policy holder to pay fixed excess and additional 50% of the vet's invoice(s).

    Fixed excess + 50% of vet invoice(s)

Optional extras

  • Death from injury or illness

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

    Purchase price
    (no excess)

  • Loss from theft, fire or weather perils

    Cover for the price you paid for your pet if it is stolen due to force or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood.

    Purchase price
    (+ 10% excess)

  • Loss from not returning whilst flying (bird of prey only)

    Cover for 50% of the price you paid for your bird of prey (or market value) if it is proven missing whilst flying and is not recovered or does not return.

    Purchase price
    (+ 50% excess)

Benefits

  • Veterinary fees

    Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

    Up to €1,000

  • Alternative or complimentary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to €300

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

    Up to €100

  • Saying goodbye

    Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procesure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

    Up to €100

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

    Injury: No waiting period
    Illness: 14 Days

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim.

    Birds or reptile: €30 or €130
    Small mammals: €60 or €160

  • Advertising and reward excess

    The amount you will be required to pay for each non-related claim for advertising and reward.

    Up to €50

  • Referral hospital or specialist vet

    Excess for the cost of referral/specialist vet treatment, if the pet is referred by the primary vet. Policy holder to pay fixed excess and additional 10% of the vet's invoice(s).

    Fixed excess + 10% of vet invoice(s)

  • Dental treatment (small mammals only)

    Excess for the total cost of dental treatment for small s mammals. Policy holder to pay fixed excess and additional 50% of the vet's invoice(s).

    Fixed excess + 50% of vet invoice(s)

Optional extras

  • Death from injury or illness

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

    Purchase price
    (no excess)

  • Loss from theft, fire or weather perils

    Cover for the price you paid for your pet if it is stolen due to force or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood.

    Purchase price
    (+ 10% excess)

  • Loss from not returning whilst flying (bird of prey only)

    Cover for 50% of the price you paid for your bird of prey (or market value) if it is proven missing whilst flying and is not recovered or does not return.

    Purchase price
    (+ 50% excess)

Benefits

Premier

Not available for small mammals.

Plus

Value

Veterinary fees

Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

Up to €5,000

Up to €3,000

Up to €1,000

Alternative or complimentary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to €500

Up to €400

Up to €300

Advertising and reward

Cover for the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

Up to €300

Up to €200

Up to €100

Saying goodbye

Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procesure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

Up to €100

Up to €100

Up to €100

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

Injury: No waiting period
Illness: 14 Days

Injury: No waiting period
Illness: 14 Days

Injury: No waiting period
Illness: 14 Days

Fixed excess

Is the amount you will be required to pay for each non-related claim.

€30 or €130

Birds or reptile: €30 or €130
Small mammals: €60 or €160

Birds or reptile: €30 or €130
Small mammals: €60 or €160

Advertising and reward excess

The amount you will be required to pay for each non-related claim for advertising and reward.

Up to €50

€50

Up to €50

Referral hospital or specialist vet

Excess for the cost of referral/specialist vet treatment, if the pet is referred by the primary vet. Policy holder to pay fixed excess and additional 10% of the vet's invoice(s).

Fixed excess + 10% of vet invoice(s)

Fixed excess + 10% of vet invoice(s)

Fixed excess + 10% of vet invoice(s)

Dental treatment (small mammals only)

Excess for the total cost of dental treatment for small s mammals. Policy holder to pay fixed excess and additional 50% of the vet's invoice(s).

Fixed excess + 50% of vet invoice(s).

Fixed excess + 50% of vet invoice(s)

Fixed excess + 50% of vet invoice(s)

Optional extras

Death from injury or illness

Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

Purchase price
(no excess)

Purchase price
(no excess)

Purchase price
(no excess)

Loss from theft, fire or weather perils

Cover for the price you paid for your pet if it is stolen due to force or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood.

Purchase price
(+ 10% excess)

Purchase price
(+ 10% excess)

Purchase price
(+ 10% excess)

Loss from not returning whilst flying (bird of prey only)

Cover for 50% of the price you paid for your bird of prey (or market value) if it is proven missing whilst flying and is not recovered or does not return.

Purchase price
(+ 50% excess)

Purchase price
(+ 50% excess)

Purchase price
(+ 50% excess)

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wording before making a decision to purchase the product.

birghtly coloured green and yellow budgie parakeet bird sitting on a laptop screen illuminated from the side

Get an exotic insurance quote today

Flexible cover options for your exotic pet – our wide range of exotic pet insurance is for everyone. Get a quote today and see if you can save.

Exotic insurance policy information

View the exotic insurance combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for full terms and conditions.
For more information, please see our FAQs.

Making a claim

We understand how stressful it is when your pet gets sick or injured, that’s why we want to settle your claim as quickly as possible.