Something else to consider, is that veterinary visits are not cheap. These are exotic animals and just to walk in the door is expensive. When I leave a veterinary visit with a bill under $100 US I start to question what they missed. Make sure you have at least $500 stored away just for veterinary care. Doing so will also show your parents that you are considering long term needs and are prepared for them.
As Nikki stated, its not a matter of if you will need it, because you will.
As Nikki stated, its not a matter of if you will need it, because you will.