Choosing Your Rabbit Insurance Cover
by Tanya in Cheap Rabbit Insurance
Once you have decided that having rabbit insurance is a good idea, the next step will be to choose your level of cover. Your question will be: How much insurance do I need to purchase? The answer will depend on your personal situation and priorities. Reviewing the following factors will help you make your decision:
- Budget, now and in the future
- Rabbit’s age
- Rabbit’s health risks
- Other risks
Rabbit Insurance Policies
- Lifetime health care cover
- Accident, illness and injury cover
- Emergency boarding fees
- Pet travel cover
- Veterinary nurse 24-hour helpline
- Online discount - 10%
Financial Aspects of Choosing Cover Level
If choosing the least expensive policy is important, then consider a time-limited plan. For each illness or injury, this type of cover will pay up to a specific monetary amount, for a specific period of time, often 12 months. Time-limited cover is helpful for short-term ailments and softens the initial cost of treating a long-term illness.
The percentage of cover and policy limits will also affect premium costs–when percentages and limits are lower, premiums are lower. A policy might cover 90% of vet fees, up to £2,000 per illness, and up to £7,000 for all claims in a calendar year.
There may also be an excess–the amount of any claim that you will have to pay. If your vet charges £200 and the excess is £40, £40 will not be covered. A higher excess lowers your premium.
If premium cost is not a primary concern, then consider a life plan. With life cover you know that, as long as you keep up premium payments, you will be able to pay for your rabbit’s treatment costs, no matter how long a problem lasts.
How Old is Your Rabbit?
Some people put off purchasing rabbit pet insurance when their bunny is young, planning to buy later on when health problems are more likely. This could work, but remember that base premiums get higher as a rabbit ages. If you are interested in a life plan, the policy must be purchased before the rabbit’s 5th birthday.
How Healthy is Your Pet Rabbit?
For two reasons, you may not want to delay your rabbit insurance decision too long: a prior illness at the time of enrolment can raise your premium level and many policies do not apply to pre-existing conditions.
Rabbits are like humans–they are susceptible to a wide range of health problems, ranging from minor colds and infections, to major organ diseases, viruses, and cancer. The older your pet is, the greater its risk of developing a long-term condition requiring expensive treatments. You’ll appreciate life cover the most if your pet gets a chronic ailment such as arthritis or diabetes.
If you feel uncertain about the health issues that your bunny is likely to face, talk to your veterinarian. They will have knowledge of common ailments for different rabbit breeds and may be willing to recommend a level of cover.
Special Risks and Benefits to Consider
When selecting pet insurance for rabbits consider all of the risks that you would like to be prepared for. Besides veterinary bills for sickness and injury, do you want cover for when your pet is stolen or strays? Do you want assistance paying for pet care while you are in hospital? Do you want special cover for taking your prize pet to exhibitions? Do you often travel with your pet? Some of these situations may be important to you and are addressed by special policy options. To purchase the rabbit insurance package that best suits your needs, read over the policy and ask questions about what it includes.
Rabbit Insurance Policies
- Lifetime health care cover
- Accident, illness and injury cover
- Emergency boarding fees
- Pet travel cover
- Veterinary nurse 24-hour helpline
- Online discount - 10%
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