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Old 12-01-2011, 11:19 AM
 
Location: London, UK
410 posts, read 951,179 times
Reputation: 331

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My sister-in-law and her husband are moving to the above-mentioned state for work reasons. Their son, who is 14 and autistic, keeps a large collection of rare and fancy fish in several large tanks. These are currently in transit to their new home.

While on the go, the fish are covered by the shipping company's insurance, but once they reach the other end, they're unsure how to proceed. Because of the value and rarity of the fish, home insurers don't seem to be interested. In the UK there are lots of specialist fish insurers as fish-fancying is a national pastime, but the same doesn't seem to hold true over there. If these fish were to come down with tropical botulism or another disease, the family would not have the funds to replace them, and that could be a serious setback for the boy.

Can anyone help?
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Old 12-01-2011, 12:50 PM
 
Location: North Western NJ
6,591 posts, read 24,907,453 times
Reputation: 9685
sorry, never heard of insurance specifically for the fish...
I have the value of the tank/equiptment on the home owners but noone i know of is willing to insure the fish themselves unfortunatly...
i didnt even know there were shipping companies willing to transport live animals, most people have to send them overnight through the mail bagged in insulated boxes...

thier best bet would be to do a google search for "aquarist" or "fish keeping" clubs in NC and contact some of those folks...they would definatly know if theres any kind of inriance available.
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Old 12-01-2011, 01:56 PM
 
Location: London, UK
410 posts, read 951,179 times
Reputation: 331
Quote:
Originally Posted by foxywench View Post
sorry, never heard of insurance specifically for the fish...
I have the value of the tank/equiptment on the home owners but noone i know of is willing to insure the fish themselves unfortunatly...
i didnt even know there were shipping companies willing to transport live animals, most people have to send them overnight through the mail bagged in insulated boxes...

thier best bet would be to do a google search for "aquarist" or "fish keeping" clubs in NC and contact some of those folks...they would definatly know if theres any kind of inriance available.
Thanks for your thoughts. I know it's a crazy-sounding thought, but perhaps I could purchase a lizard insurance policy (as these are much more readily available), then, if the fish were to carp it, as it were, I could just empty the water out of their tanks for when the loss adjuster comes round, tell them I need cash rather than vouchers as the replacements will have to be ordered frm Europe, and buy me the new fish? Do you think this would work?
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Old 12-01-2011, 06:41 PM
 
Location: North Western NJ
6,591 posts, read 24,907,453 times
Reputation: 9685
ive never herd of "lizard insurance" either...
the only "pet insurance" ive seen is health insurance (pays for vet care) and some cover additionally for the loss or theft of a pet.
theres a very smal group of "pet life insurance" companies but they typically only cover dogs,cats, parrots and horses...

otherwise animals in the usa are considered "property" and typically covered under home owners/renters insurance but for fish, lizards ect it generally only covers for equiptment loss...

Fish are such delicate creatures that fish insurance would cost a fortune!
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Old 12-02-2011, 07:22 AM
 
Location: London, UK
410 posts, read 951,179 times
Reputation: 331
Quote:
Originally Posted by foxywench View Post
ive never herd of "lizard insurance" either...
the only "pet insurance" ive seen is health insurance (pays for vet care) and some cover additionally for the loss or theft of a pet.
theres a very smal group of "pet life insurance" companies but they typically only cover dogs,cats, parrots and horses...

otherwise animals in the usa are considered "property" and typically covered under home owners/renters insurance but for fish, lizards ect it generally only covers for equiptment loss...

Fish are such delicate creatures that fish insurance would cost a fortune!
This is very discouraging! I hadn't realised that the US was such a difficult place to be a fish-fancier. Can no-one offer me some hope?
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Old 12-02-2011, 03:04 PM
 
Location: North Western NJ
6,591 posts, read 24,907,453 times
Reputation: 9685
as i said, id do a google search for aquarists or aquarium hobbiests in NC and see if theres a fish fanciers group in the general area and contact them...another potential way of doing it would be contacting local large scale aquariums and seeing what kind of insurance they use to cover the cost of their live animals...
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Old 12-03-2011, 03:21 AM
 
Location: London, UK
410 posts, read 951,179 times
Reputation: 331
Quote:
Originally Posted by foxywench View Post
as i said, id do a google search for aquarists or aquarium hobbiests in NC and see if theres a fish fanciers group in the general area and contact them...another potential way of doing it would be contacting local large scale aquariums and seeing what kind of insurance they use to cover the cost of their live animals...
Thanks for this, I will get in touch with some organisations. Just occurred to me how strange the British are; we love to keep fish and invest them with quasi-human personalities, yet our national dish is also fish! It's crazy! We eat our pets! Well, fish and chips is made with cod or haddock, which are far too large to fit in a typical home aquarium, but the point stands. We also love dogs, but don't eat them. Can you imagine eating a dog?? 'What are we having for lunch, Mom?' 'well honey, Crashmart had a special so it's roasted baby poodle!' 'aww gee that's awesome, can I have the head?' 'sure thing my sweet meat!'. Totally sick.
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Old 12-06-2011, 12:56 PM
 
Location: Visitation between Wal-Mart & Home Depot
8,309 posts, read 38,841,348 times
Reputation: 7186
Quote:
Originally Posted by Benjamin Hubard View Post
Thanks for your thoughts. I know it's a crazy-sounding thought, but perhaps I could purchase a lizard insurance policy (as these are much more readily available), then, if the fish were to carp it, as it were, I could just empty the water out of their tanks for when the loss adjuster comes round, tell them I need cash rather than vouchers as the replacements will have to be ordered frm Europe, and buy me the new fish? Do you think this would work?
I guess if you're thinking of defrauding your insuror it is a good idea to create a public, written record that's attached to your IP address.

Very funny topic, however.
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