Does Insurance Cover Snake Bites | Costing Of Insurance Bits & More

Does insurance cover snake bites many people usually as this question today. Thus, we have made this post to assist you. During the spring and summer, the frequency of snakebite-related ER visits doubles, triples, and maybe even quadruples.

When the weather begins to warm up, snake season is in full swing. Snakes will emerge from their winter dens searching for food, and they may encounter people along the route.

According to the Department of Wildlife Conservation, around 7,000 to 8,000 snake bites occur yearly, with only five or six deaths. Even though the chances of seeing a snake are minimal, if necessary measures aren’t done, you might find yourself in the emergency room. If you don’t have enough insurance, the problem will worsen. As a result, this article will aid you in obtaining insurance that covers snake bites.

Basics of Snakes

Does Insurance Cover Snake Bites

There are two types of poisonous snakes found in the United States: pit vipers and coral snakes.

Pit viper snakes

Pit viper snakes include rattlesnakes, copperheads, and cottonmouths. Triangular heads and vertical nostrils are physical characteristics shared by all three snakes. Rattlesnake poison is the most poisonous and may cause the most significant issues of any of these snakes. Cottonmouth snakebites are toxic, although they don’t have the same potency as rattlesnake bites.

Damage from a pit viper bite: Because it includes many substances that kill tissue and weaken the proteins that enable your blood to clot, the venom of a pit viper snake may be the most lethal. Swelling may develop within an hour after being bitten due to the combination of tissue injury and blood.

Coral snakes

Coral snakes are black and red snakes with white or yellow bands most prevalent in Florida and Georgia.

Damage from a coral snake bite: Coral snake bites might take 12 to 18 hours before any complications arise. Neurotoxins in their venom disrupt the brain’s capacity to regulate the body’s muscles. Since the 1960s, no one has died due to a coral snake bite, as terrifying as it may seem.

Venom from a snake

Even though pit viper bites are more prevalent than coral snake bites, neither bite is usually lethal. Snakes have complete control over when and how much venom their bites release.

The severity of the bite is determined by the snakes’ assessment of the danger. Poison produces pain, swelling, and perhaps blistering at the bite site, as well as tissue damage.

Does Insurance Cover Snake Bites?

Does Insurance Cover Snake Bites

The answer to this question is quite relative. While most insurance companies in the United States do not cover snake bites, some, such as AIG, frequently do. AIG Holdings, Inc., commonly known as American International Group, Inc., is an American insurance company.

The company’s headquarters are in New York. It has a London office, Paris-based continental Europe activities, and a Hong Kong-based Asian headquarters office. Furthermore, the two types of health insurance this firm offers are Supplemental health and essential health. 

Additional health insurance covers possible health risks not covered by a standard health insurance policy, such as cancer and critical sickness. While basic health insurance pays for doctor’s appointments, hospital stays, and emergency room care, it does not cover all medical expenses. Insurance for snake bites is also available via this platform.

How much does it Cost to Cure a Snake Bite?

How much does it Cost to Cure a Snake Bite

Now and again, someone will be bitten by a deadly snake and return home with a large medical bill that makes headlines. For example, the most popular rattlesnake anti-venom is created by injecting snake venom into sheep and then extracting the antibodies generated by their immune systems.

This frequently equates to the estimated $2,300 per vial for hospitals’ anti-venom. Another portion of the money is spent on clinical studies to determine the anti-effectiveness. Venom’s This is on top of other expenses, including license fees, wholesaler fees, administrative, legal, and operational expenditures, and profit to health personnel.

Overall, victims may save money by purchasing insurance coverage depending on the facility and the insurance company. A portion of this sum may also reduce during the final payment process. Furthermore, if you have a high deductible for drugs, you must pay the deductible amount. This may amount to tens of thousands of dollars.

How to avoid being bitten by a Snake and what to do in any Eventuality

How to avoid being bitten by a Snake and what to do in any Eventuality

As the sun stays out longer, don’t allow your fear of snakes to keep you and your family from hiking or bicycling the trails. While poisonous snakes should be avoided, a lightning strike is more likely to kill you than snakebite. According to the Centers for Disease Control and Prevention (CDC), around five die out of the 7,000 to 8,000 persons bitten by poisonous snakes in the United States each year. Arm yourself with preventative and protection measures to be safe.

Suggestions for prevention

  • Preventing a trip to the emergency department may be as simple as taking a few steps and remaining aware of your surroundings. This includes the following:
  • Wear solid shoes and cover your ankles. While trekking or jogging, high ankle socks will protect your ankles from snake bites.
  • Pay attention to the warning indicators. Stay on the path at all times. Snakes like to linger out in crevices between rocks, dense, thick grass, and mossy locations near waterfalls or rivers.
  • Keep your eyes peeled. Keep an eye on where you keep your feet. You don’t want to startle a snake sunbathing in the middle of the route or on the golf course.
  • To stay awake, stay away from alcohol.
  • Don’t be alarmed if you see a snake. Back slowly away from the snake, attempting to either find a way around it or return the way you came. Snakes seldom injure humans unless they are aroused. Never make fun of a snake.
  • Carry your phone with you.
  • Tap the ground in front of you with a walking stick. A snake will be more inclined to attack the stick if it feels threatened.
  • If feasible, go on a hike or run with someone. If you get bitten, having someone to aid you will be beneficial.
  • Avoid going on a trail stroll at night. Snakes may be active during the day, but they are also nocturnal since they must keep moving to maintain their body temperature during chilly nights. Snakes hunt at night because their heat sensors enable them to identify prey while remaining hidden. In the dark, it’s all too easy to overlook a snake.
  • At night, use a headlamp or flashlight. This may assist you in spotting snakes before a potentially dangerous encounter.

Frequently Asked Questions

How do you know if a snake has bitten you?

As previously noted, some snake bites might take up to 18 hours to manifest symptoms. In any situation, you should contact an emergency response team right away so they can determine the best course of action. If you’ve been bitten, keep an eye on any signs like:

  • Inflammation
  • Loss of feeling
  • Throwing up
  • Dizzy spells
  • Fainting
  • Shock
  • a fast heartbeat
  • Blood pressure that is too low
  • Discoloration of the skin
  • Speech slurred
  • Swallowing problems
  • Muscle weakness
  • Dysfunction
  • Breathing problems
  • Pulsating
  • Diarrhea
  • Diarrhea 
  • Thirst

What should I do if a snake bites me?

If you’re bitten by a snake, attempt to take the following steps as soon as possible:

  • Maintain your composure and walk away from the snake.
  • Seek medical help as quickly as possible.
  • To prepare for the swelling, take off any jewelry or clothes too tight.
  • Clean the wound but don’t use water to do so. Cover it with a dry, clean dressing.
  • Keep the limb in a splint at heart level.

Is it possible to survive a rattlesnake bite without medical attention?

The bites of a rattlesnake constitute a medical emergency. Rattlesnakes are poisonous snakes. It may be harmful if you are bitten by one, although it is exceptionally seldom deadly. However, if the bite is not treated, it may cause serious medical complications or even death.

What should I avoid doing if a snake bites me?

If you want to recover quickly and safely from a snake bite, don’t:

  • Wait and see how you feel before seeking medical help
  • Take a chance or spend time capturing or killing the snake.
  • Use ice or heat.
  • Close the wound.
  • Use your mouth to suck on the wound.
  • Consume alcohol, coffee, food, or non-prescribed drugs.


For the most part, snakes in the United States are not violent and only attack when they perceive a threat. Knowing where to search for snakes, taking adequate steps to avoid them, and never approaching them is the best method to prevent a snake bite.

If you are bitten, take the necessary precautions and expect to spend up to 1 day in the hospital. And to reduce the cost, it’s best to opt for insurance that covers snake bites through the tips highlighted above.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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