Parrots make great companions; they're intelligent, are easy to care for and can live for many years.
However, due to their longevity, there's a good chance you'll need to take them to see the vet at some point and if they become ill or require surgery, the cost of ongoing treatment and medication can easily run to hundreds or thousands of pounds.
A good parrot insurance policy can give you peace of mind that these unexpected bills will be taken care of, here's how to find the right policy at a fair price.
What's the best parrot insurance?
That really depends on how much cover you need for your pet.
Cheap parrot insurance policies might be tempting but if they don't offer much financial support for your pet they're not worth paying for - likewise expensive cover that comes with features you're never likely to need is also a waste of money.
The crucial thing is to make sure you've got the right level of cover at the most competitive price and the only way you can do that is by carrying out a parrot insurance comparison.
Compare pet parrot insurance features
To find the best parrot insurance deal, you need to check the features of each company's policy relating to the following areas:
When you look for parrot insurance UK deals you need to check the conditions regarding insuring birds of a certain age.
If your parrot is quite old, you may well have to pay higher premiums in order to insure it because older animals are more likely to develop ongoing conditions that need treatment.
Companies require your pet to have reached a certain age before they will insure it, so make sure you check what this is before picking a policy.
If you are uncertain about how your parrot's age will impact the cost of cover, remember to check this with companies before buying a deal.
As there are different breeds of parrot, from the African Grey to the Yellow-headed Amazon, insurers will charge premiums that reflect the risk of covering each breed.
For example, if you own a breed that is known to be susceptible to health issues, some insurers could hit you with higher premiums - or not offer any kind of cover. This is why it pays to do your homework and get quotes from a number of companies.
Insurers will have an upper limit on how much they'll pay out in the event of a claim, so if your parrot needs regular medication and the cost exceeds the company's maximum limit, you'll need to pay for the rest yourself.
If you want to reduce the amount you pay for your premiums, offering to pay a higher excess if you claim on your pet insurance parrot policy could help you cut the cost of your payments.
Although this might allow you to make each payment cheaper, you need to make sure you can afford to pay the increased excess if you do claim.
If you think you might struggle to pay a higher excess at short notice, which could prevent you from getting help from your insurer, then sticking with the standard excess might be your best bet.
Set up a savings account
If you find that the cost of parrot insurance is too high, or you don't think it's worth it for what the company is offering, setting up and paying into a savings account instead will help you to put money by, should you need to pay vets' bills in the future.
To find out more about policies for parrots and other rare animals, you should take a look at our Exotic pet insurance guide.