Owning an exotic pet can be both expensive and risky. Most exotic pets require additional maintenance and veterinary care than a house cat or dog. Unlike most dogs and cats, exotic pets also tend to have recurring illnesses, specific to their breed. Exotic pet ownership has dramatically increased over the last decade; this increase in popularity has resulted in more instances of attack or escape. If you have a large or small bird, reptile, tortoise, rabbit, small or large mammal or other exotic mammal, XINSURANCE.COM can cover you if/when your pet is involved in an accident, causing physical or emotional injury to a victim.
The likelihood of your exotic pet being covered by your homeowners insurance is slim. Many traditional insurance policies are very particular as to what animals they cover. Most even restrict certain breeds of dogs from coverage or exclude animal liability coverage altogether. Because insurance policies are becoming more exclusionary, it is likely that your current homeowners insurance policy will not cover your exotic pet.