So my cats have had pet insurance since they were kittens and it has greatly helped - one of my cats is now on an immunotherapy regimen that is ~$350 a bottle. Her insurance covers 90% of this. I have asked the insurance rep that comes the the vet clinic I work at regularly if they will ever add exotic animals and the answer is always a hard no. But, it turns out the Nationwide now offers limited exotics pet insurance - most common parrots, snakes, geckos, some lizards, ferrets, some amphibians etc. I haven't called for a real quote yet but the advertisement that we got at the clinic says $8 / month for reptiles on average and $16 / month for birds on average - prices probably differ by state. They offer discounts for multiple pets as well, but I don't know if that includes reptiles. I'm going to be calling them on my day off this week for more info.
If more people knew about this maybe there would be more people willing to take their pets to the vet.