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Read moreCompare 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 animals. Petcover works with its insurance partners to provide one of Germany’s only exotic pet insurance, with 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.
There are three types of cover on offer – Premier, Plus and Value.
The 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.
€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.
€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.
€50
€50
€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)
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.
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Get an exotic insurance quote today
Flexible protection for your exotic animal. Get an offer, maybe you can save costs.
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.