BeardedHippy
Bearded Dragon Veteran
- Messages
- 672
- Location
- Scarborough UK
Hi, this post is more for new owners, like myself who have been wondering if it is worth taking out insurance for their beardies. I couldnt find much info about it on here, so I did some research and came to some conclusions. If the unthinkable were to happen and your dragon needed an operation it can be devastatingly expensive and in these uncertain times, having the spare cash at the drop of a hat is going to be problematic for a lot of people. When you think of this, insurance seems like a good idea, just in case....
However, insurance policies vary greatly in price and the things that they cover. They can cover vet bills, death ,fire ,theft, weather events etc, depending on the policy it could cost a LOT over a year. Now multiply that by the 15 plus years that your dragon could live...its a lot of money for 'just in case'. There are also things which aren't covered by most policies. They will not pay out on anything to do with breeding, so if your girl becomes eggbound you would still have to pay for treatment despite paying your premiums. They will also not pay on pre existing coditions, so treatment for those would fall to you too and of course there is an excess charge on all claims anyway.
Of course, if you look after your dragons well and give them everything they need there is every chance that they will never need more than a checkup from the vet.
So, in conclusion I decided no to the insurance. Instead, I have opened a savings account which will become an emergency fund for vets bills. Every month, I will put in what I would have paid for an insurance policy. If I need it , it will be there, if I dont (fingers crossed) need it Im sure I can always find other uses for it. It just makes more sense than esentially gambling my money with insurors, the only winner is me and my beardies.
If you do decide to insure though, just make sure you read the policies carefully so you dont get any suprises.
However, insurance policies vary greatly in price and the things that they cover. They can cover vet bills, death ,fire ,theft, weather events etc, depending on the policy it could cost a LOT over a year. Now multiply that by the 15 plus years that your dragon could live...its a lot of money for 'just in case'. There are also things which aren't covered by most policies. They will not pay out on anything to do with breeding, so if your girl becomes eggbound you would still have to pay for treatment despite paying your premiums. They will also not pay on pre existing coditions, so treatment for those would fall to you too and of course there is an excess charge on all claims anyway.
Of course, if you look after your dragons well and give them everything they need there is every chance that they will never need more than a checkup from the vet.
So, in conclusion I decided no to the insurance. Instead, I have opened a savings account which will become an emergency fund for vets bills. Every month, I will put in what I would have paid for an insurance policy. If I need it , it will be there, if I dont (fingers crossed) need it Im sure I can always find other uses for it. It just makes more sense than esentially gambling my money with insurors, the only winner is me and my beardies.
If you do decide to insure though, just make sure you read the policies carefully so you dont get any suprises.
