Cheap Rabbit Insurance
Cheap Rabbit Insurance
Rabbits are loved by households all over the UK, with the PDSA estimating that a million of us care for these floppy-eared, four-legged friends.
But although rabbits are smaller than many other household pets, and are usually a breeze to look after compared to a cat or dog, taking care of your rabbit is still a serious responsibility.
Should something happen to your pet you’d like to know there was someone there to help. That’s why many owners decide to take out pet insurance for their rabbit.
Why you should consider insuring your rabbit
Dog insurance is an increasingly common consideration for dog owners, but in the early days of owning a rabbit many people ask whether rabbits really need to be insured. And the answer to that question is fairly simple: no matter what kind of four-legged friend you own, could you afford an unexpected veterinary bill if your pet gets ill or is injured?
To help you answer that, it’s worth bearing in mind that the average pet insurance claim in the UK comes in at £750, according to the Money Advice Service.
And what if your rabbit develops a chronic condition that results in multiple trips to the vet? Those costs can be a painful pill to swallow, especially when you compare the relatively cheap expense of rabbit pet insurance to a much more costly veterinary bill.
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What are the most common medical conditions that rabbit insurance will cover?
Some of the most common medical conditions that your pet insurance provider might cover your rabbit against include:
- Overgrown teeth: A constant fibre diet helps rabbits keep their teeth healthy. A change in diet or health can result in your rabbit not eating, which takes away the one thing keeping those teeth under control. If this happens, a trip to the vet might be needed to burr down your rabbit’s teeth under general anaesthetic.
- Snuffles: This has all of the symptoms of the common cold in humans, but is more serious for rabbits. You can spot it by witnessing an increase in sneezing, eye inflammation and abscesses. Again, a trip to the vet is needed for a course of antibiotics.
- Hairballs: It’s a well-known fact that rabbits can’t vomit, so should hairballs begin to block a rabbit’s gastrointestinal tract surgery might be required to remove the blockage.
- Flystrike: This is one of the more horrible diseases your rabbit is at risk of catching, where flies lay eggs in moist areas of skin that hatch into maggots within 24 hours. This also releases a poison that can kill your rabbit.
Insurance for rabbits can also cover veterinary expenses resulting from ear mites, sore hocks, head tilt, and many other common conditions.
Does my rabbit need to be vaccinated and neutered to take out insurance?
Many rabbit insurers require vaccinations to be updated every year. While it might not be something they ask for proof of at the time of providing cover, should you come to claim they will ask for evidence of your rabbit’s vaccinations.
By contrast, an insurer usually won’t require your rabbit to be neutered. Although this can result in a longer life (with less fighting!) insurers are aware that this is your decision.
Will insurance for rabbits pay out if a pet is lost or stolen?
Many insurance providers will cover expenses you might incur if your pet goes missing – for example, they might agree to cover part of the cost of getting flyers printed or offering a reward (this type of cover is often referred to as ‘advertising and reward cover’).
If your particular insurance provider doesn’t include advertising and reward cover on your insurance policy as standard you should be able to add it as an optional extra.
What type of pet insurance is available for rabbits?
Whether you’re looking to insure your rabbit relatively cheaply, or you’re searching for the best rabbit insurance money can buy, there are two main types of insurance policy available: lifetime insurance, and annual insurance.
As the name suggests, lifetime pet insurance will cover your rabbit for the whole of its life in exchange for a pre-agreed annual fee, while annual pet insurance needs to be renewed and repriced each year.
A lifetime insurance policy is usually more expensive (at least in the beginning), because the longer the timeframe the greater the risk that your rabbit will develop a costly illness or medical condition at some point.
However, the premiums for annual pet insurance can rise sharply if your pet develops a chronic illness or needs regular medical supervision. In that situation lifetime pet insurance can end up being cheaper, provided you first signed up for the insurance policy when your pet was young and healthy.
Will I be offered cheaper rabbit insurance if my pet is mixed breed?
When a pet owner is comparing dog insurance quotes they will sometimes find that the insurance premiums are cheaper if their dog is a mixed breed, and more expensive if they own a pedigree.
There are two reasons for that:
- Pedigrees are more attractive to thieves, so there is a higher risk that they might be stolen
- Some pedigrees have a higher risk of congenital medical conditions or genetic disorders
However, when it comes to insuring a rabbit you will usually find that the breed has little to no effect on the insurance premium. So whether you own a Mini Lop or a Palomino, a Dutch rabbit or a British Giant…or whether your pet rabbit is a cuddly, floppy-eared mixed breed…you should find that other factors play a much more important role in determining the cost of insuring your rabbit, including your pet’s age, its medical history and its current state of health.
How to find cheaper rabbit insurance quotes
The range of UK insurance providers that are willing to offer rabbit insurance is much smaller than those offering dog insurance or cat insurance, but it is still a good idea to compare quotes. That way you can be sure you’re being offered a suitable policy at a fair price.
Other things pet owners can do to find cheaper insurance include:
- Opting for a higher excess, particularly when your pet is young and healthy
- Insuring multiple rabbits (or other pets) under a single multi-pet insurance policy, which can be cheaper than insuring each animal separately