Despite having an average population of 1 million bunnies in the UK this year, insurance for rabbits is limited in the pet industry. Regardless of that, owners are still encouraged to get insurance for their floppy-eared pets by veterinarians and other pet professionals.
So, is rabbit insurance worth it? Is there rabbit insurance for older rabbits? Considering that vet bills are continuously on the rise, having your fluffy pet insured may be the best decision. There are some companies that offer insurance for rabbits before reaching a specific age of seven or so.
What you can get from rabbit insurance
By definition, rabbit insurance is no different from other pet insurance. It aims to protect your beloved pet when things go out of hand. Whether it is an accident or illness, you will be forced to pay for expensive treatment bills. In fact, delicate pets are susceptible to diseases as much as any other pets. This means that vet trips are to be expected.
Getting the right insurance significantly helps. By paying a small amount of money per month, it gives you an assurance that you are capable to meet vet bills when the situation occurs.
Types or level of rabbit insurance
- Annual/Time-limited cover
As the name implies, annual coverage lasts for over twelve months. It is less expensive given that it has a limit on its costing as well as time. Remember that it no longer covers illnesses after the due date of the policy. The said condition will then be considered as pre-existing upon the renewal of the insurance policy.
- Lifetime cover
Lifetime coverage tends to be more expensive as policyholders are entitled to decide their own limit on vet fees each year. It also means that your pet rabbit is covered throughout its lifetime. This is the most convenient type of coverage for pets that have recurring illnesses or ailments.
- Accident-only insurance
Accident-only insurance policy refers to the coverage of any complications acquired from accidents but with an agreed amount of money. It does not necessarily pay expenses for one-off or ongoing illnesses.
- Per condition cover
Coverage per condition has its own limitation of a maximum amount. Once a certain amount has been reached, the said coverage will no longer be effective. That being said, you will be held financially responsible once the limit has been reached.
Rabbit insurance inclusions
What is the best rabbit insurance? Benefits and coverage of insurance vary on the company. Generally, it covers numerous medical conditions in a rabbit in all ages without deductibles in payments. Insurance benefits and coverage include the following:
- Accidents or injuries
- Dental treatments caused by illnesses or injuries (excludes routine dental check-up)
- Lab fees
- Necessary therapies
- Neutering and spaying
- Refunds when the rabbit was lost, stolen, or died from any other diseases or injuries
- Advertising or printing funds on reward offer when a rabbit is lost or stolen
- Third-party liability
Such processes require veterinary attention, so remember to get a vet who is an expert on rabbits. These delicate, fluffy pets have very different needs compared to common pets like cats and dogs.
Rabbit insurance exclusions
It is important to get the appropriate insurance plan according to the well-being of your rabbit. Check and weigh in all of your options as there would be exclusions defined in each policy.
The common exclusions include:
- Routine treatment bills
- Pre-existing health conditions
- Dental conditions
- Age limit, which depends on the company (It usually excludes ages under eight weeks old and over five years old)
Companies that offer insurance for rabbits
Here is a list of known pet insurance companies and its estimated rabbit insurance prices:
The ExoticDirect is located in Sussex. It has been offering pet insurance to exotic pets since 1996. Their rabbit insurance covers for as much as £2,000 vet fees in one year under two types of policy. The Essential policy accommodates the said fee on all of your rabbits, whilst the Premier offers a vet fee worth of £2,000 for each bunny. Click here for further details on ExoticDirect.
The Petplan rabbit insurance is under the Pet Plan Limited and Allianz Insurance plc. It has £2,000 worth of coverage on vet fees, with inclusions on complementary treatments worth £750. Click here for further details on Petplan.
Helpucover rabbit insurance offers a more affordable monthly payment than Petplan. It’s premier rabbit insurance covers up to £2,000 worth of vet fees, and hospital fees may reach £250 per policy year. Click here for further details on Helpucover.
Pets at Home also covers rabbit insurance in partnership with Petplan. As such, upon the purchase of their rabbit insurance, you are connected with a link to the Petplan website. Click here for further details on Pets at Home.