Exotic Pet Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Printable Applications

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.

Liability Insurance For Owners of Exotic Pets

Owning an exotic pet can be both expensive and risky. Most exotic pets require additional maintenance and veterinary care than a house cat or dog. Unlike most dogs and cats, exotic pets also tend to have recurring illnesses, specific to their breed. Exotic pet ownership has dramatically increased over the last decade; this increase in popularity has resulted in more instances of attack or escape.

Even well-trained or supposedly tamed wild or exotic animals can pose a threat to humans. Their behavior can be unpredictable, especially if they become frightened or feel cornered or trapped. If a pet injures other people or their property, owners could be responsible for thousands or even millions of dollars in damages if a lawsuit or settlement goes against them. In some cases, the consequences could cause them to lose most or all of their personal or financial assets.

Exotic animal liability insurance can come to the financial rescue in these situations. These policies will compensate third parties for bodily injury or property damage caused by pets up to the policy’s coverage limits. This insurance will also cover the costs of the policyholder’s legal defense if the case goes to court.

Questions to Consider:

Does traditional homeowners insurance coverage address all of your client’s needs when it comes to their exotic pets?

The likelihood of an exotic pet being covered by homeowners insurance is slim. Many traditional insurance policies are very particular as to what animals they cover. Most even restrict certain breeds of dogs from coverage or exclude animal liability coverage altogether. Because insurance policies are becoming more exclusionary, it is likely that a current homeowners insurance policy will not cover an exotic pet.

Know the Facts

Average cost per year housecat $200 vs. big cat $7060

Since 1990, there have been over 1,000 reported incidents involving exotic pets including large cats, nonhuman primates, reptiles, bears, wolves, foxes, and ferrets.

Exotic Pet Insurance From Prime Can Protect Your Clients

Are you an insurance agent or broker with clients that have an exotic bird, monkey, big cat, reptile, tortoise, rabbit, or other exotic mammals? Prime Insurance Company can offer coverage if the pet is involved in an accident, causing physical or emotional injury to a victim. We can provide an all-in-one exotic pet insurance plan with customized coverage that significantly reduces the policyholder’s liability exposure. They’ll gain peace of mind knowing they’re prepared for a worst-case scenario involving their animals.

We Offer Coverage When Other Providers Won’t

At Prime, we focus on covering risks that traditional homeowners policies and other liability plans won’t. As an excess and surplus lines insurance partner, we can provide outside-the-box solutions for hard-to-place risks. We can also fill gaps and exclusions in existing policies. Many producers and prospective policyholders turn to us after they’ve been canceled, rejected, or nonrenewed elsewhere. We can often cover those with an extensive claims history, too.

Our Service Makes Us Stand out From the Rest

At Prime, we do our best to maximize the exotic animal insurance experience for producers and the policyholders they serve. Our hands-on, in-house underwriting process is designed to find multiple options to meet every applicant’s unique coverage requirements. We also offer direct claims handling from our dedicated team of attorneys and adjusters who work hard to combat unsubstantiated claims and frivolous lawsuits. An around-the-clock reporting hotline is also available to enable policyholders to initiate the claims process at any time.

We also offer on-site risk management services that can reduce the likelihood of an incident involving an exotic pet. We can show policyholders how to minimize their exposure and lower their insurance costs in the process.

The Best Exotic Pet Insurance Solutions for Producers

Partnering with Prime gives you more opportunities to expand your business by offering nonstandard coverage. We also offer:

  • Fewer restrictions: Some companies require agents and brokers to meet policy quotes or minimum premium requirements. With Prime, you’re free to write as many or as few policies as you need to. We won’t turn you away because a risk is too big or small for us.
  • A collaborative approach: At Prime, we view insurance as a partnership. We work with producers and policyholders to achieve a common goal. We aim to support you and your clients in the quest to find the best insurance coverage.
  • Customization: Are you having trouble finding the right solution for a client who needs exotic animal liability insurance? With flexible underwriting, we can often fill the need. The policyholder will have peace of mind, and you’ll have a satisfied client who is more likely to stay with you.
  • A profit-sharing program: Another reason agents and brokers love working with Prime is our innovative profit-sharing program. Writing business with us can be financially lucrative in the long term.

A Stable Insurance Partner You Can Trust

When you choose Prime for your clients’ exotic pet liability coverage, you’ll work with a provider with a solid financial foundation — a crucial consideration when it comes to paying claims. We’ve received an “A” (Excellent) rating from AM Best, a global credit rating agency that has served the insurance and financial services industry since 1899. We have the resources to handle claims and meet all our other financial obligations.

You’ll Appreciate Our Simplified Application Process

Policyholders and producers can start the exotic animal insurance application process whenever it’s convenient. Begin by filling out and submitting the online application. Our underwriting team will promptly review it and contact you to request any additional information or documentation and set up a phone call to discuss the risk further. We’ll then issue a no-obligation quote. We’ll bind coverage after we receive approval and the initial payment.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Printable Applications

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.