insurance for snakes??

[chicagopythondon]

Just curious if it is possible to insure snakes. I have a small collection, but will be expanding this year with some expensive morphs. I know if i owned a dreamsicle or superblackpastel/piebald, I would want to have them covered.

[2kdime]

Home owners or renters will cover your equipment, I take it back, some will and some wont.

Insurance on your actual pets? Aint gonna happen

There ARE some services out there that are insurance "type" deals that help with vet bills though.

[BbyBoa]

Even if you could find insurance for your actual snakes, "which you can't" it would be so expensive it wouldn't be realistic at all. I do think you can get vet insurance but that only pays for vet bills which I think someone already said.

Part of buying the expensive snakes is knowing that there is a risk that something could go wrong, just gotta take every precaution that you can to make sure it doesn't happen. Then cross your fingers and pray

[chicagopythondon]

I am lucky enough that all of my snakes were bought with funding from other reptiles sales. Thanks for the replies.

[zues]

I grew up on a cattle farm and it is possible to insure livestock. Not sure if you could get a company to write a policy on snakes or not. It is pretty expensive. It may be worth it for a VERY high end snake just until it start producing but that would be it.

http://www.hartfordlivestock.com/

[LotsaBalls]

I would suggest calling your, wait not yours, but a company that offers homeowners insurance. They might be covered in the event of total loss. I remember around 10 years ago though that some companies wouldn't cover you if you had reptiles at all.

[shelliebear]

There is such a thing as insurance that will cover the loss of your animals, especially when you are a big time breeder and your snakes ARE your business--not just the equipment but the animals too.
My dad would know more about it; he's an insurance salesmen and underwriter, amongst other things insurance-y. If you have any questions I can pass them along to him, he's been in the insurance business for 20+ years.

[Adam Chandler]

I called USAA a few months back and asked them what my renters insurance covered. They said it cover the racks and any other equipments as well as liability if someone was injured by my snakes but not the snakes themselves.

[mainbutter]

Short answer: Yes

Slightly longer but still short: Insurance policies that insure snakes are really only meant for, and likely only feasible for, business owners. These policies are likely only going to cover events such as theft, fire, or other unforeseeable catastrophic loss. I doubt you'll find policies that will cover illness related loss..

However, you CAN find someone to write an insurance policy on ANYTHING if you are willing to pay enough.

[SlitherinSisters]

I haven't heard of anyone doing it. If you could get it I'm sure you have to have big money snakes and that it costs an arm and a leg. The only animal that I personally know of being covered by insurance are horses, but they have to be big time winners/champions. We're talking a worth of hundreds of thousands of dollars. I spoke to a handler about insurance on a 1/2 million dollar insured horse and it covered unexpected death up to so many years (he was a stallion so that included all the stud fees they would miss out on if he died). I'm guessing that the really big time breeders have something, but maybe they don't if the animal dies....