What Are The Best Tortoise Insurance?

Do you have a tortoise and want to know if having pet insurance is worth it?

The simple answer is: yes, taking out a tortoise insurance is always a good idea. You will have peace of mind, as the main expenses will be taken care of.

In this guide, we’ll detail all the different types of tortoise insurance, the average cost of taking out a tortoise insurance and and we’ll also give you an indicative quote to find the best pet insurance for your tortoise.

What type of tortoise insurance is best for you?

When taking out a tortoise insurance, there are usually one type of insurance offered, usually it is a 12 month insurance.

How much is tortoise insurance?

It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:

• Your tortoise’s age, The older your tortoise is, the more expensive it will be to insure your tortoise.
• Where you live in the UK. Vet fees are not the same all over the UK.

The average cost of tortoise insurance in UK is about £4 and £17 per month..

What does tortoise insurance cover?

Not all insurers offer the same features, so check before insuring your tortoise. Here is a little table that shows what is usually covered by a tortoise insurance:

	Included or not	Details
Vet fees	Included in all type of policies	You can ask money back for vet fees if your tortoise received medical treatment
Advertising and rewards	Often included in Lifetime cover Often not included in basics insurance	You can claim the money back for the cost of your reward and your advertising spend
Death by illness or accident	Often not included in basics insurance Sometimes covered by Lifetime.	You can claim if your tortoise died because of an accident or because of an illness
Boarding fees	Often not included in basics insurance	Covers the cost of boarding your tortoise if you have an emergency
Overseas travel cover	Often not included in basics insurance	Your tortoise is covered in another country
Third party liability cover	Included in basics insurance	Covers legal liability if your tortoise causes damage or injury. For cats, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.

What is the best pet insurance for tortoise?

Exotic pet insurance and British Pet insurance propose tortoise insurance, here are the main features:

Insurers	Vet fees	Excess	Extra	Monthly premium
Exotic Direct (Basic Policy)	No	10% of the replacement cost in case of fire or theft claim	Cover included for sickness, theft and death.	£4,30
Exotic Direct (Essential Policy)	Up to £2500	£35	Cover included for sickness, theft and death.	£12,67
Exotic Direct (Premier Policy)	Up to £2,500	£35	£2,500 for sickness, theft and death Weather perils	£14.35
British Pet Insurance (Value Policy)	Up to £1,000	£30	Up to £300 for alternative treatment Advertising – Up to £150 per year Reward – Up to £150 per year Excess £50 for each claim.	£9.53
British Pet Insurance (Premier or Plus Policy)	Two policies: For Premier: up to £5000 For Plus: up to £3,000	£30	Up to £400 or £500 for alternative treatment	£10,93 for Plus £13,73 for Premier

What is not included in your tortoise insurance?

Often, these kind of features are not included in your tortoise insurance:

Not included	Details
Treatment for preexisting conditions	Most insurers won’t cover your tortoise's existing conditions.
Routine medical treatment	Your tortoise insurance won’t cover your routine medical treatment such as vaccinations, for example.
Behaviour treatment	This kind of feature is often not provided for tortoise insurance.
International cost	Some insurers won’t offer to cover your tortoise abroad.
Dental treatment	Often excluded from tortoise insurance.
tortoise age	Sometimes your tortoise will not be covered if your pet is considered too old.