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Rabbit Insurance

30/04/2025

Lauren McAfee Insurance Editor and Writer

Last Updated: 30 April 2025
Read time: 6 minutes

Written by: Lauren McAfee
Insurance Writer and Editor

Reviewed by: Mark McKeown

Written in line with our Editorial Guidelines

What is rabbit insurance?

This insurance is designed to provide financial support for the unexpected expense that comes with owning and caring for your rabbit. Vet fees are a huge part of the cover on these policies, but they can offer protection against so much more. Providers will generally cover rabbits between 8 weeks and 5 years old. 

Types of pet insurance for rabbits

Different policy types will offer different levels of coverage. While the majority of rabbit insurance providers in the UK will focus on lifetime policies, other options are available from niche insurers.

Lifetime insurance 

This is unique in that it will cover any health conditions your rabbit develops throughout its lifetime. Normally, these are considered “existing medical conditions” and would be excluded when the policy is renewed. Because of this comprehensive protection, it can be more expensive than the other options. However, it also comes with the most peace of mind.

Time-limited cover

Also known as annual insurance, this policy will cover the cost of treatments related to accidents or illnesses your rabbit suffers from. However, unlike lifetime cover, any illnesses that develop during the policy term are then excluded when the policy is renewed.

Maximum benefit cover

This policy sets maximum claim limits, rather than time limits. So while other policies expire after a year, this only expires when the claim limits are used up. As an example, this policy could provide one claim limit for X-rays or scans, one for alternative treatments, and one for dental treatment.

Accident-only cover

Unlike the other options, accident-only protection only covers treatment for accidents, not illnesses. It is the most basic coverage available, so it is usually the cheapest option.

What is covered by rabbit insurance?

This depends heavily on the policy type you choose. However, insurance for a rabbit will typically cover:

1. Vet costs for accidents or illnesses

If your rabbit falls ill or is involved in an accident, it will likely need health care. This insurance helps cover the cost of unexpected vet bills.

2. Emergency boarding costs

If you fall ill and need to be admitted to the hospital, the cost of housing your rabbit in a kennel or boarding service can be covered. 

3. Loss or theft

Most insurers will cover the cost of advertising or offering rewards to help find your rabbit after it has gone missing or been stolen.

4. Euthanasia and death 

If your rabbit needs to be put down, this cost can also be covered. Some insurers will even reimburse the price you paid for your rabbit, provided you have saved proof of purchase. 

What is not covered by rabbit pet insurance?

Exclusions are specific to each policy and provider. However, common things that are not covered include:

1. Treatment for pre-existing medical conditions

Conditions your rabbit suffers from before taking out the policy are typically not covered. And unless you have taken out lifetime insurance for rabbits, any new conditions that develop will also be excluded when the policy renews. However, there are specialist insurers who offer cover tailored to pets with existing medical problems. 

2. Routine care for your rabbit

This includes some medical expenses like vaccinations, microchips, and neutering. Every day care, like worming, flea treatments and dental care are also not covered.,

3. Pregnancy and offspring

The cost of care related to pregnancy is not covered. Equally, insurance coverage for a mother will not extend to their babies, and they will need to be insured on their own policy, or a multi-pet policy when they are old enough. 

4. Waiting periods

Rabbit insurance policies typically come with a 14-day waiting period. You will not be able to make claims until after this time.

5. Preventable illnesses

If your rabbit develops an illness that could have been prevented by proper routine care or vaccinations, your insurer can reject claims for this. 

How much is rabbit insurance?

Getting an accurate price for insuring your rabbit is quick and easy. Simply compare policies now and get personalised quotes so you can choose the best rabbit insurance for you. These costs will vary depending on the following factors:

Your rabbit’s medical history 

If your rabbit has existing medical conditions, you may need specialist insurance, which can be more expensive. 

The level and type of coverage you choose

Different types of pet insurance come with different price tags. Typically, the more that is covered and the higher the coverage limits, the more you will pay for your insurance premium. 

Your bunny’s age

The older your bunny is, the more likely it is to suffer from certain illnesses. Just like with all insurance policies, providers will offset this risk with higher costs.

Their breed

Certain rabbit breeds are genetically prone to developing certain conditions. Much like age, this presents a higher risk of claiming, meaning higher premiums.

Where you live

Vet fees vary hugely from area to area. If you live in an area with above-average vet costs, your claims will cost more to fulfil, meaning higher premiums.

The provider you choose

Rabbit pet insurance providers will all have their own way of setting premiums. Starting a rabbit insurance comparison is a great way to ensure you are not missing out on cheaper deals.

How can I get cheap rabbit insurance?

There are things you can do to help your search for cheaper insurance quotes. These include:

Increasing the excess on your policy

Choosing a higher excess can lower your premium. However, this cost will need to be covered each time you claim on your insurance.

Consider multi-pet insurance options

If you have more than one pet in your household, multi-pet insurance could help you save. This allows you to protect different animals on one policy, and could be cheaper than insuring them individually. 

Compare rabbit insurance

Comparing as many providers as possible is key to finding a good price for your needs. Each insurer weighs your risks slightly differently, so one policy could be significantly cheaper than others. 

Keep your rabbit healthy

Scheduling routine checkups and providing proper nutrition and opportunity for exercise could all help lower your rabbit’s risk of illness or injury.

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Rabbit insurance FAQS

Can you get insurance for a rabbit over 5 years old?

Many insurers stop offering pet insurance for bunnies over the age of 5. This is because they are more likely to develop illnesses as they enter old age. However, some specialists may still offer cover for older rabbits. Shopping around among providers can increase your chances of finding these insurers.

Can you get bunny insurance with no excess?

Typically, no, all insurance comes with some level of excess. This is the amount you will have to pay out of your own pocket when making a claim, so it is an important number to consider when choosing your policy.

Where can I find rabbit pet insurance?

Although fewer insurers cover rabbits when compared to dogs or cats, you still have options. When you compare with Quotezone, we only match you with providers who can protect your pet, so you don’t waste any time.

Does it matter how old my rabbit is?

Yes, providers will have lower and upper age limits for which rabbits they cover. This is usually any rabbit over 8 weeks old and under 5 years old. Your premium can also increase with your rabbit’s age as it is linked with a higher likelihood of illness.

Do I have to keep my rabbit vaccinated?

Although there is no law saying you have to vaccinate your rabbit in the UK, it is important for getting insurance. Coverage is typically cheaper when your rabbit is fully vaccinated. And if you don’t vaccinate your rabbit, you will have to pay for any resulting illnesses alone, as these are excluded from this insurance.

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