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Pet insurance for birds

It's possible to get bird insurance in Australia but your options are limited.

What is bird insurance and how does it work?

Bird in cage

Pay for protection

Bird insurance is a type of specialist pet insurance that can help pay for vet bills if your bird gets in an accident or becomes ill. You generally pay a fortnightly or monthly premium to an insurer in exchange for this protection. Bird insurance is usually considered a form of exotic pet insurance.


Serve the waiting period

When you first take out bird insurance, you'll usually need to serve a waiting period for illnesses, typically around 21 days, but accidents are usually covered straight away.

Hand holding money icon

Get paid if something goes wrong

Pet insurance will cover you for vet bills associated with accidents or illnesses, up to a specified amount per year. You'll often need to pay an excess (a contribution you pay whenever you make a claim).

What does bird insurance cover?

A typical bird insurance policy can cover you for:

Vet building

Vet fees

For example, if your bird gets sick or injured, pet insurance can pay for all or some of the vet bills, depending on the cover you get.

Animal vaccination

Alternative or complementary treatments

Sometimes referred to as routine care, this can pay for physiotherapy, specialist referrals, diagnostic examinations and more. It can also sometimes cover advertising and reward (if your pet goes missing) and liability claims.

Take out pet insurance for your bird

Petcover is currently the only insurer in Australia offering pet insurance for birds.

NameAccidental InjuryIllnessMaximum Yearly BenefitReimbursement Rate
Up to $6,00070%Read the full review

Pet insurance for older birds

Owning a bird is often a 5 to 10 year commitment. Depending on the bird you get, it can be longer. If you're bird is older, watch out for:

Exotic Bird
  • Age limits. Most insurers won't cover your bird if you try to take out a policy after they reach a certain age. However, if you buy a policy before they've reached that age, you'll be covered after it as well.
  • Pre-existing conditions. If your bird has any pre-existing conditions (an ailment your bird had before you bought a policy) you won't be covered for any issues related to that condition.

Frequently asked questions about bird insurance

To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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