Ciara -- $20K Jungle Safari For My Unborn Baby

Ciara's baby won't be born for another month ... but she's already taking steps to make sure the kid appreciates the world of animals ... so she dropped $20K on an animal-themed nursery.

Our baby spies say Ciara and her fiance Future dared to shop at pricey Petit Tresor in L.A. ... dropping $1,800 on an 8-foot stuffed giraffe. They spent the balance on other stuffed animals, lion book ends and art work.

Ciara's been on a spending spree ... she was recently out shopping at another high end baby store with Kim Kardashian.

FYI - A REAL safari costs around $1,000 a day.