Insurance companies are offering a variety of packages to meet the needs of pet rabbit owners in the UK Rabbits, our third most popular pet, are loved members of the family who are given the best possible care. With rising costs, owners are looking for pet rabbit insurance to help cover veterinary and other expenses.
There are two basic types of cover on offer: life plans and time-limited plans. When you enroll your bunny in a life plan and maintain regular premium payments, the policy will cover treatment costs for injuries and ailments for the rest of your pet's life. A common level of cover is £ 2,000 per illness, per year.
Time-limited plans limit the period of time that an illness will be covered. For example, if your bunny develops diabetes, the cost of caring for that condition will be covered for a specified period, perhaps a year. After the specified period, new illnesses will be covered, but there will be no more payments for the diabetes.
When enquiring about cover levels, ask whether the plan on offer is a time-limited or life plan. Then you can find out about other details such as benefit maximums. For example, a policy might pay up to £ 3,000 for each illness or injury, per year, with an annual maximum of £ 7,000.
Percentages of cover can vary from policy to policy and within a policy. For example, cover for veterinary exams may be 90%, while cover for some dental treatments may be 50%.
Policies often specify an excess – the minimum amount of any expense that will come out of your pocket. If the excess is £ 45, your rabbit pet insurance will apply to the amount of your expenditure above that amount. Say you go to the vet and your bill is £ 245 for an examination, blood test, and medication. If your cover is 100% and the excess is £ 45, your insurance benefit will £ 200 be.
Pet insurance for rabbits cushions you from the expense of basic veterinary services, such as exams, medications, hospital stays, and surgery. Many veterinarians can also provide alternative forms of treatment. These treatments – such as massage, physiotherapy, chiropractic adjustments, and acupuncture – are often a standard inclusion or offered as an extra. Policies pay up to £ 750 per year, per condition, for complementary services.
Some bunny owners love to travel abroad with their pets. Rabbit insurance plans often include provisions for the cost of seeking veterinary care outside the UK These plans also offer cover for the loss of a rabbit's passport – a very useful benefit considering the high expense of pet travel papers.
Rabbit pet insurance often includes other special cover options, such as up to £ 250 for boarding fees paid to a rabbit hotel when you have to go into hospital; up to £ 250 for advertising costs paid when your bunny goes missing; and a lump sum death benefit, often based on the amount you paid for your bunny. The death benefit protects you from a significant financial loss and when you are ready, allows you to replace your pet.
There is a growing range of rabbit insurance options on offer. The details of many policies are provided online in readable language, assisting you in your search for a rabbit insurance package that suits your budget and lifestyle.