Exotic Pet Insurance (NAC)

Prialys Assurance > Insurance for Individuals > Pet Insurance > Exotic Pet Insurance (NAC)

Exotic pet insurance (NAC) — In France the exotic pet ranges cover exactly five species : rabbit, ferret, chinchilla, guinea pig and parrot. Everything else — reptiles, hamsters, rats, mice, gerbils, and most birds — has no veterinary fee policy at all. Reimbursement runs up to 85 %, with an annual limit of 400 € or 800 € depending on the species. Prialys, an independent broker, sets out species by species what genuinely exists.

  • Freedom of choice: Prialys, independent broker, freely compares market offers for your pet.
  • Savings: benefit from negotiated rates through our broker status and privileged partnerships.
  • Custom coverage: reimbursement rate, annual limit, excess and prevention allowance matched to each species.
  • Support: a dedicated contact for subscription, management and claims.

Exotic Pet Insurance (NAC) coverage options

SpeciesInsurableRateAnnual limitPreventionAge at subscription
RabbitYesUp to 85 %800 €25 € per year (vaccinations)3 months to 3 years
FerretYesUp to 85 %800 €50 € every 2 years (chemical castration)3 months to 2 years
Parrot (ringed)YesUp to 85 %800 €50 € per year (serology)3 months to 10 years
ChinchillaYesUp to 85 %400 €None3 months to 2 years
Guinea pigYesUp to 85 %400 €None3 months to 3 years
Hamster, rat, mouse, gerbil, deguNo————
Reptiles (tortoise, lizard, snake)No————
Other birds (canary, parakeet, lovebird)Case by case————

Common to all the eligible species : annual excess of 50 €, waiting periods that differ between accident and illness, and exclusion of any condition existing before subscription.

Figures recorded in August 2026 from the French insurers distributing an exotic pet range. They are given for information only and are not a contractual commitment : only the general terms and conditions of the policy apply.

How does exotic pet insurance (nac) work?

1. Species – Eligible or not

2. Age – Subscription window checked

3. Quote – Rate, limit, prevention

4. Subscription – Electronic signature

5. Claim – Reimbursement from the vet invoice

  • Eligibility check: we tell you straight away whether your species can be insured at all.
  • Personalised quote: complete our online form in 2 minutes to receive offers matched to your pet.
  • Comparison: rate, annual limit, excess, prevention and waiting periods compared item by item.
  • Quick subscription: electronic signature, certificate, then reimbursement on presentation of the vet invoice.

Questions? Call us today!

09 52 92 25 30

Brochures

Need detailed information on our pet and exotic pet insurance solutions ? The Prialys team, an independent broker, is available to review your situation and your current policies with you.

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What documents to subscribe to your exotic-pet insurance?

  • Proof of identity and contact details of the policyholder.
  • Species, date of birth and identification of the animal (microchip, tattoo or closed ring).
  • European pet passport for the ferret, CITES certificate for protected species.
  • Vaccination record and veterinary certificate of good health where requested.
  • Claims history statement from your previous insurer, if applicable.

Frequently asked questions about exotic-pet insurance

ItemDetails
IllnessConsultations, tests, imaging and medication, up to 85 % within the annual limit for the species.
AccidentWounds, fractures, foreign bodies, burns, emergency care.
Surgery and hospitalisationAnaesthesia, procedure, stay and post-operative care.
Exotic pet consultationsFees of a vet taking exotic pets, charged at specialist rates.
PreventionRabbit 25 € per year, ferret 50 € every two years, parrot 50 € per year. None for the chinchilla and the guinea pig.
ItemDetails
Ineligible speciesReptiles, hamster, rat, mouse, gerbil, degu: no policy exists, all veterinary costs stay with you.
Annual excess50 € per year, deducted before any reimbursement.
The uncovered shareThe 15 % of the invoice left outside the 85 % reimbursement rate.
Above the limitAnything beyond 400 € or 800 € of reimbursement, depending on the species, in the same year.
Pre-existing conditionsAny illness known or declared before subscription.
Age outside the windowAn animal older than the limit for its species cannot be insured for the first time.
Food and housingDiet, bedding, cages, terrariums and aviaries are never reimbursed.

Documents for your exotic-pet insurance

Which exotic pets can be insured in France?

Five species : the rabbit, the ferret, the chinchilla, the guinea pig and the parrot. That list is the same across the insurers distributing an exotic pet range.

How much is reimbursed?

Up to 85 % of the veterinary fees actually incurred, within an annual limit of 800 € for the rabbit, the ferret and the parrot, and 400 € for the chinchilla and the guinea pig, after a 50 € annual excess.

Are reptiles covered?

No. No French insurer offers a veterinary fee policy for tortoises, lizards or snakes. Protection goes through your home policy for liability, theft and equipment.

Why are the subscription age limits so tight?

Because the ranges are built around young animals with no history. The window closes at 2 years for the ferret and the chinchilla, and at 3 years for the rabbit and the guinea pig. Only the parrot has a wide window, up to 10 years.

Can a single policy cover several exotic pets?

No. Each animal has its own policy. Grouping them with the same insurer simplifies administration, and a commercial discount can sometimes be negotiated, but it is not published or guaranteed.

What is systematically excluded?

Conditions existing before subscription, care given during the waiting period, husbandry-related problems regarded as avoidable, elective procedures, food and housing. The general terms and conditions list the exclusions in full.

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Talk to our broker

Adresse email : contact@prialys.fr
Téléphone : 09 52 92 25 30
Address: Miniparc 3 478, Rue de la Découverte CES 67624, 31670 Labège

    FAQ – Exotic Pet Insurance (NAC)

    Why so few species?

    Insurers need a large enough population, a predictable life expectancy and reliable veterinary data to price a risk. Only five exotic species meet those conditions in France. For the others, the absence of an offer is a pricing problem, not an oversight.

    What can be done for a species that is not covered?

    Two things remain useful. First, the personal liability section of your home policy covers damage caused by the animal to a third party. Second, contents cover can protect the equipment and, subject to a declared value, the animal itself against theft. Veterinary costs, however, stay with you.

    Discover all our pet insurance plans