Bearded Dragon Pet Insurance: Everything You NEED to Know

Our pets are our family, and we want to give them the best life possible. But even with the best care, accidents, and illnesses can still happen. That’s why it’s important to have pet insurance to help cover the cost of unexpected vet bills.

Bearded dragons may not be the most common pets, but they are still deserving of the same care and attention as any other pet. If you’re lucky enough to live somewhere with a company that offers insurance for exotic animals, it’s worth considering.

Keep reading to learn everything you need to know about getting pet insurance for your beardie and how to keep them healthy to prevent unnecessary vet bills.

Benefits of Getting Insurance for My Bearded Dragons

If you love your bearded dragon, you want to give it the best care possible. But sometimes, even the most pampered pets can get sick and need veterinary attention. That’s when pet insurance for your exotic friend can come in handy.

With pet insurance, you don’t have to worry about breaking the bank when your bearded dragon needs medical treatment. Your insurance provider will cover most of the costs, leaving you with more money to spend on treats and toys for your scaly companion.

Of course, not all pet insurance policies are created equal. Some may offer more coverage than others for different types of illnesses and injuries. That’s why it’s important to do some research and compare different options before you choose one.

We recommend looking at several companies that specialize in exotic pet insurance and finding the one that suits your needs and budget best.

How Much Does Bearded Dragon Pet Insurance Cost?

Finding reptile health insurance can be tricky, especially if you live in the U.S. or the U.K. where the options are few and far between. But don’t worry, I did some digging for you and found out what’s available in both countries as of now.

Here’s what you need to know about the cost and coverage of different policies for your bearded dragons.

Cost of Reptile Insurance in the US

Nationwide is the only health insurance company in the USA that offers health insurance for reptiles such as bearded dragons. Their pricing and policies are fair and reasonable, starting from $9 per month over a tenure of a few months.

This policy includes the treatment of any sickness of the reptile that rises over time, except for the sickness that already existed. They pay for injuries, medical diagnostics, surgery, and medications of your pet bearded dragon. Furthermore, they do not cover physical deformities or any other non-related vet services, such as boarding.

Other details about this policy can be obtained directly from the Nationwide US site.

Cost of Reptile Insurance in the UK

If you live in the U.K. and have a reptile as a pet, you might want to check out Exotic Direct. They are an insurance provider that specializes in covering your scaly pals. They offer three different plans to suit your needs and budget: Basic, Essential, and Premier.

The Basic Plan is the cheapest option, but it also has the lowest coverage. You pay £4.35 a month for 10 months and get some basic protection for your reptile.

The Essential Plan is more comprehensive and costs £12.82 a month for 10 months. It covers more types of illnesses and injuries for your pet.

The Premier Plan is the most expensive but also the most generous. It costs £14.63 a month for 10 months and gives you the highest level of coverage for your reptile’s health and well-being.

Are There Alternatives to Pet Insurance?

Pet insurance for your bearded dragon can be a lifesaver, but it’s not the only way to deal with unexpected vet bills. If you find yourself in a pinch and need to pay for your pet’s treatment, here are some alternatives you can try.

Talk to Your Vet about Payment Plans

First, talk to your vet and see if they offer a payment plan. Many vets understand that caring for your reptile can be costly and they want to help you out. They may let you split your bill into smaller monthly payments that fit your budget better. That way, you don’t have to stress about paying a huge amount at once.

Consider Signing Up for Care Credit

Second, look into CareCredit. CareCredit is like a credit card for healthcare expenses. You can use it to pay for your bearded dragon’s medical care upfront and then pay it back over time with monthly installments. It’s a convenient way to finance your pet’s health without breaking the bank. However, not all vets accept CareCredit, so make sure you ask before you apply.

This will be a lifesaver for you if you aren’t opting for an insurance plan. As the medical expenses can sometimes become way more than what you can afford; so, you may discuss the plans that your vet has to offer. Using these plans, you might just be able to pay the bills in installments.

This one is a smart option if you have not insured your bearded dragon. It works the same as the credit card, paying all your payments at once and then taking the amount back in small installments each month. They even offer interest-free returns of money, unlike credit cards.


Having a bearded dragon as a pet is no different than having a child at home, which needs all your attention and money to grow up. The bills of bearded dragon’s health expenses can sometimes be off the limits, shaking you to the core. However, you can handle this bit by getting your bearded dragon insured.

Nationwide and Exotic Direct, respectively, can be the only and best options for insurance of pet bearded dragons for people living in the USA and UK. Their monthly insurance payments are low, and you can even get your customized insurance plan by getting a quote.

Finally, if you’re not interested in the insurance of your bearded dragon, then you may speak to the vet for payments in installments or even use a care credit for the payment of health bills. With this being said, you will not have anything to worry about the health expenses of the bearded dragon. So play smart and enjoy your time with your pet.

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