Many pet owners purchase pet insurance for their dogs, cats, horses etcetera but have you ever thought about the insurance needs of your aquarium? While few insurance companies would let you take out a life insurance policy on a guppy or be willing to pay for goldfish surgery, there are other types of insurance that any aquarium owner should consider.

The insurance needs of an aquarium owner can be divided into two categories:
Insurance for the aquarium itself, including equipment and inhabitants
Insurance that covers damages caused by the aquarium, e.g. water damage to the floor and the apartment below you

Your aquariums, their contents, and any damage caused by them may or may not be covered by your homeowner’s or renter’s insurance. You need to check your specific policy to find out more – and don’t forget to read the small print. Many insurance policies have quite a comprehensive exclusion list and it is not unusual for all aquariums, or certain aquariums, to show up on this list. Your insurance company may for instance only be willing to pay for damages caused by an aquarium up to a certain amount of gallons, or only cover aquariums that live up to certain standards. It is also quite common for insurance policies not to cover the inhabitants (livestock) of the aquarium but everything else. Some insurance companies will consider plants and corals inhabitants, while others see them as decor.

If you build your own hobby aquariums this doesn’t necessarily disqualify them from being insured. However, most insurance companies have rules stipulating that only “professional quality” aquariums can be insured. This doesn’t mean that an aquarium has to be built by a professional to insured, only that it has to live up to the same level of quality as a professionally constructed tank. Naturally, this is an area where insurance companies and aquarium owners do not always see eye to eye.

Last but not least, it is common for insurance companies to have a notification limit. If for instance your policy has a $1 500 notification limit, you have to inform the insurance company about any possessions that are worth more than $1 500. If for instance your home is burglarized and you file a claim for a $2 000 necklace that got stolen, the insurance company may refuse to cover the necklace if you failed to notify them about you keeping such a precious piece of jewelery in your home. If you own an aquarium, keep in mind that if you file a claim for the entire aquarium you may hit this $1 500 ceiling even if the tank itself did not cost $1 500 to buy. As any fish owner knows, the dollars can keep piling up quite rapidly. You buy a $500 tank, you add some nice filters and a heater, you get some additional stuff along the way, and soon you’ve reached the notification limit without even realizing it. Take a closer look at your aquarium. Would you file a claim if it was destroyed? If yes, have you notified the insurance company about its value?

A bill introduced by Maui County Council Member Mike Molina may tighten up the rules for how aquarium fish is treated after being caught in Maui waters. Existing animal welfare laws only stipulate that ornamental fish collectors must maintain facilities that can keep the fish alive and “in reasonable health”.

“The reality is that the inhumane treatment is inherent in the trade,” said environmentalist and dive operator Renee Umberger. “They don’t consider them to really be animals. That’s why it’s important to change the (legal) definition of what the state considers pets.”

The new bill would piggyback on superseding state laws and is intended to make sure that ornamental fish is treated well. Molina also hopes that the bill will raise awareness about overfishing and the fragility of Hawaii’s reefs. Over the past two decades, Hawaii’s aquarium reef fish population has declined by nearly 60 percent.

According to statistics from the state Department of Land and Natural Resources, Maui fishermen caught aquarium fish valued at $32,478 last year. In the entire state, the value of all caught aquarium fish was roughly $2 million in the same period.

Robert Wintner, owner of Snorkel Bob’s, now questions why Hawaii is endangering its reef fish population for a mere $2 million a year when hundreds of local jobs in the multimillion scuba and tour sector depends on the wellbeing of the reefs.

Examples of what the Molina bill is suggesting

• Prohibition of several industry practises, such deflating the swim bladder, exposing the fish to air, and temperature changes of more than 2 degrees.
• Mortality rates and dead fish disposal methods must be documented.
• Causing the death of an ornamental fish will be considered an inhumane treatment of aquatic life.
• Violation of the law would be a misdemeanour. The fine would range between $500 and $2,000 and up to a year in jail.

Before the bill goes before the full County Council, it needs to be assigned to a committee for further discussion.

An aquarium fish has survived seven months in a fish tank without being fed or cared for, since its owner is in police custody after being accused of killing two Chilean students and wounding three others.

When employees from Contractor’s Choice and members of the Summer Lake Homeowners Association walked into the vacant town house at Miramar Beach, Florida, they discovered what appears to be a plecostomus.

The fish was apparently overlooked when lawmen removed the other pets – fish and birds – from the home after the arrest of the pet owner Dannie Baker. The fish went unnoticed for so long because Baker’s home was closed to the homeowners association after the arrest.

“I was very upset because I thought the police had taken everything after Dannie’s arrest,” said Dianne Richmond, vice president of the homeowners association. “This poor fish has been in that boiling house with no air conditioning and nothing to eat for about seven months.”

The pleco was discovered by the fiancée of Contractor’s Choice owner, who noticed something moving in the tank and sprinkled some fish food in the water. This caused the pleco to swim out into the open to feed.

When the pleco was discovered, much of the water in its tank had evaporated and the remaining water had turned dark.

Josh Olis, an account manager at Contractor’s Choice, said he didn’t believe it when his boss told him a fish was still alive in the tank. After seeing it for himself, he and the owner refilled the tank with about 50 gallons of water. He said he will make sure the fish is fed for as long as the company is working in the home. The contractors have even given the fish a name – Theo.

“I think we’re going to accept him into the cleaning family for now,” Olis said. “He’s been living in that tank for so long, surviving off algae. I have so much respect for him, I had to name him.”

The employees at Contractor’s Choice are now looking for a permanent home for Theo.

“This poor fish has really worked for a new home,” Richmond said. “It’s a wonder he’s survived this.”

AC Comment

Although I certainly don’t recommend neglecting your plecos for seven months, I’m not very surprised that Theo was alive and kicking when they found him. Many of the catfish species commonly referred to as plecos are algae-eaters (especially when young), so if there was any light coming into the room, Theo probably had some food to eat since nobody was there scrubbing away the algae. It all comes down to how large the tank is; a big tank may generate enough algae to keep a pleco alive (albeit hungry and malnourished) for several months.

Also, the natural habitat of plecos is Central and South America, so living without air conditioning in Florida is probably not something that bothered Theo much, especially if the aquarium was placed in a location where it was sheltered from sunlight during the harshest hours of the day.

Evaporation on the other hand, that is a real threat. The build up of waste in the water was probably tolerated by Theo since the progress was slow and gradual, but eventually ending up with hardly any water due to evaporation would naturally have killed him.

Last but not least, a word of caution. Although the employees of Contractor’s Choice acted admirably and should be applauded for taking such an interested in an abandoned fish, giving Theo 50 gallons of new water was actually quite risky since such a rapid change of water quality (and probably also temperature) can be lethal to fish – especially if the tap water is also heavily chlorinated. (But this is naturally impossible to know unless you’re an aquarist so I don’t mean to sound condescending here.) If you find a neglected fish, the safest method is to gradually change water quality and temperature until conditions are ideal for that particular species.

Scientists from three different European countries – Norway, Belgium and the UK – are now launching a new research project where the aim is to find out if cods can feel pain or not.

“Most people agree that mammals and birds can feel pain, but people are less sure about fish,” says project leader Øyvind Aas-Hansen of NOFIMA, an aquaculture research institute whose headquarters are in Tromsø, Norway.

Fish show many signs of being able to experience pain, but we still know very little about how their brains react to stimuli that would cause mammals and birds to feel pain. According to some scientists, the brain of a fish is not equipped with certain structures needed to process pain, but others believe that fish nevertheless do sense some type of pain.

What we do know is that fish show a long row of behavioural responses that could be interpreted as signs of pain, such as avoidance reactions. Fish are also capable of producing pain-relieving opiates and the fish brain is equipped with receptors for both pain and opiates.

The European researchers hope that modern medical technology, especially functional magnetic resonance imaging (fMRI) and electroencephalograms (EEGs) will make it possible for them to learn more about how the cod brain actually works. The aim of the study is to indentify which parts of the cod brain that becomes activated when a cod is exposed to potentially painful stimuli, and the researchers will also study how these signals are processed.

In order to test the brain of a fish, there is no need to expose it to any type of severe or prolonged pain; a mild stimulus that simply provokes an unpleasant sensation is enough to see how the brain reacts. “We will use the same procedures as those used on healthy human volunteers,” Dr Aas-Hansen explains.

If cods are indeed able to feel pain, Dr Aas-Hansen hopes that the results of the study will be used as yet another argument in favour of keeping aquarium fish in benevolent conditions. The study is however unlikely to affect European legislation since most regulations already assume that fish can feel pain.

Dr Aas-Hansen also points out how comparative research on how the brain works in different animals can give an insight into our own human brain. “This is ground-breaking work,” he says. “No other scientists have previously studied the cod’aquarius brain this way.”

The project will run for three years and is funded by the Norwegian Research Council.