Protects owner (who must be at least 18 years old at inception) against veterinary fees, subject to an excess, up to £5,000; accidental death from external injury; fire, lightning, storm, wind, vermin and theft. Cover includes attending and travelling to shows and exhibitions. Special provisions regarding security, heating and siting apply to external aviaries.

Rare animals can be covered in respect of ‘vet’s’ fees normally up to £2,000 and subject to a £50 excess for each course of treatment. This is the core standalone cover to which additions can be made (death by accident, disease or sickness; theft, fire, storm and lightning), all subject to a 10 per cent excess, and liability cover. Escape is not covered unless facilitated by an insured peril. Insured must be at least 18 years old.