Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Nov 11, 2020

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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.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

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.

pet insurance for birds

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.

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

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.


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