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Triple-I Blog | Is my exotic pet covered by insurance?



Photo by Andre Mouton from Pexels

Did you know that December 14th is International Monkey Day? This wonderful holiday to honor everyone's favorite simians was invented by two Michigan State art students in 2000.

Suggestions for celebrating this holiday include donating to conservation efforts or reading to children about monkeys.

Of course here at Triple-I, the holidays naturally made us think of people keeping monkeys and other exotic and unusual pets, and the insurance consequences.

According to several sources we consulted, it is never a good idea to keep monkeys as pets. Keeping a monkey as a pet is cruel to the animal, it is illegal in many jurisdictions and can lead to serious and even fatal injuries to humans.

Nevertheless, according to an animal advocacy group, about 15,000 primates are kept as pets in the United States, and the American Veterinary Association estimates that 1 in 10 American households has an exotic pet (defined as all animals resident in a foreign country).

Damage caused by pets, if covered by insurance, would be covered. under a comprehensive insurance for homeowners. However, it is important to read your policy and see exactly what is covered. If you are unsure, talk to your insurance agent. You should expect to pay more for coverage and have higher liability limits if you legally own exotic animals. And homeowners insurance also often excludes physical injuries caused by pets.

Exotic animals may require expensive veterinary treatments. While pet insurance is becoming increasingly accessible and affordable, many insurance companies cover a limited list of species. Pet Assure, a discount program available to some employers, is accepted for many types of animals.


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