Why Blue Cross Promotes Petplan
We know that, having adopted an animal from us, you want to give them the best life possible.
With advancements in veterinary medicine its important to choose the right insurance for your pet so you can get the right treatment for them without having to worry about the costs.
Not all pet insurance is the same. The type of policy you choose can have implications on the veterinary care of your pet. When shopping around for a policy, its important that you consider the following:
- What is the veterinary fees excess?
- Will the insurer pay the vet directly?
- Does the policy provide lifetime cover, or are conditions excluded after 12 months?
- Does the policy cover congenital, hereditary, hip-related, dental and behavioural conditions?
- Will your premium increase if you make a claim?
At Blue Cross, we work in partnership with Petplan® who offers a range of plans to suit every budget. Take a look below:
No cover is provided for pre-existing conditions.
Your premium will increase over the lifetime of your policy and terms, conditions and excesses apply and may be varied on renewal.
Typically a 20 per cent excess is introduced at the pets tenth birthday for cats and dogs and seventh birthday for rabbits and some breeds of dog on our Covered for Life® plans.
On our Essential plan the 20 per cent excess is introduced at the cat or dogs eighth birthday .
What Exclusions Are There On Rabbit Insurance
Most policies only cover you for unforeseen illnesses. If your bunny has a pre-existing medical condition, your insurer wouldnt cover you for treatment related to it. To get cover for this, youd need to take out a policy that includes pre-existing conditions, which will be expensive.
Costs for routine treatments like vaccinations, spaying/neutering, worming or flea treatments also arent covered. Its common for dental problems to be excluded too. Illnesses preventable by getting your rabbit vaccinated arent included either.
Where Can I Find Pet Insurance For Rabbits
You can get pet insurance for your pet rabbit frommost pet insurance companies. Insurance for rabbits are included in the exoticpet insurance category. Rabbit pet insurance is fairly reasonable in terms ofprice and may help to defray expenses for medical treatment.
A good rabbit pet insurance plan is one that will pay foraccidents and illness, as well as other medical conditions that rabbits areespecially susceptible to.
The insurance may also offer health programs orplans that include regular check-ups and routine diagnostic tests. This way,you and the insurance company can save up on potential costs by spottingillnesses well before it happens and thus prevent illnesses from actuallybecoming present in the rabbit.
There are even pet insurance for rabbits that providewellness programs. The programs may offer rabbit acupuncture, hydrotherapy andother alternative therapies.
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What Is Covered For Life
Our Covered For Life® policies are designed to cover long-term, chronic or recurring illness, as well as short term illness and injury. As long as the policy is renewed each year without a break, we will continue to provide cover for conditions such as diabetes or arthritis which require treatment over a long period of time, often for life. Other insurance policies, such as time-limited policies, will limit the time you can claim for each illness of injury.
Is There Any Way To Get Coverage For A Pre
Every insurance company is different so you have to do your research. Some insurers may handle pre-existing conditions differently than others but companies that do cover pre-existing conditions usually only do so on a limited basis under their most expensive plans.
You might think its unfair that you cant get coverage for your pets pre-existing condition but, remember, pet insurance is designed to protect you from the things that might happen in the future, not problems that youre currently facing. Insuring pre-existing conditions would be very expensive for everyone and encourage people to delay getting pet insurance until problems started to develop.
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Common Claims/illnesses For Rabbits
Although rabbits are relatively healthy animals, there are certain illnesses that rabbits may be prone to getting. Here are a few.
- Overgrown teeth
This may seem like a large amount of illnesses, but its not really when you consider all the diseases animals can get. These are also just illnesses they could get but not necessarily illnesses they will get. Many of these can be eliminated if owners know what their rabbits need, provide them with good care and a healthy diet, keep the rabbits current on vaccinations and make sure the rabbit has annual checkups with the vet.
According to Nationwide Insurance, the most common insurance claims they get for rabbits include:
- Overgrown teeth This occurs if the rabbit doesnt regularly grind its teeth. The teeth grow large and begin to curl, which can prevent them from eating or even closing their mouths.
- Ileus This occurs when the rabbits bowel is unable to work properly and remove waste product out of the body via the intestine.
- Conjunctivitis This occurs when the inner eyelid and other membrane of the eyeball become irritated or infected. This disease is also referred to as pink eye.
Is Pet Insurance Worth It
Vet medical bills for injuries and illnesses can be very costly, and pet insurance can be a good way to cover some of these costs.
For example, if your dog ruptured their ACL, surgery could cost thousands of dollars. Lets suppose the total cost for surgery is $3,000 and you have coverage with a $500 deductible and 90% reimbursement level. In this scenario, your out-of-pocket cost would be $750 .
Pet insurance is worth careful consideration. Some pet owners prefer to set aside money in a savings account for a pets medical needs. But if you cant afford a surprise vet bill that could be thousands of dollars, pet insurance is a way to guard against racking up a credit card bill or finding another way to pay.
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In 2020 Exotic Direct Paid Claims Like:
- £832 for oral ulceration and infection with secondary GI issues in a Dutch Rabbit
- £496 to investigate and treat a mandibular abscess in a Dwarf Lop Rabbit
- £574 to investigate and treat weight loss in a Mini Lop Rabbit
- £513 for respiratory problems in a Mini Lop Rabbit
Overall, Exotic Direct paid 94% of all pet insurance claims in 2020, helping many pet owners cover vet fees.
Rabbit Pet Insurance Comparison
Expenditures of veterinarian health care rise as modern technology develops. Rabbit Pet Insurance Comparison
Thats due to the much higher cost of supplying these higher-quality solutions because of equipment, training, as well as facilities demands.
You can decrease your animals medical costs by getting pet medical insurance which can aid offset some or most of the prices of diagnosing, dealing with, as well as handling your pet dogs ailments or injuries. In the long run, you will save on your pets health bills with a good pet health plan.
In order to manage overheads as well as prepare for veterinary urgent situations, lots of pet moms and dads sign up in pet insurance policy.
The month-to-month cost of such plans can be economical, yet they can cover large quantities of unforeseen veterinarian overheads, which could be a life-saving treatment for your pet dog.
There can be a great deal of products when it concerns pet insurance plans.
In the industry, there are a lot of alternatives, as well as rates as well as coverage have a lot of variables.
What do you do when there is so much noise?
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Why Have Rabbit Insurance
Unfortunately, theres no NHS for rabbits. So if your rabbit gets ill, injured or has an accident, the vet bills will have to be paid out of your pocket. Rabbit insurance is designed to help cover these costs.
Policies can vary and can include optional extras. For instance, some insurance policies include cover should your rabbit go missing. This could be a one-off payment up to an agreed limit if your rabbit is not found, or it could cover any costs involved in advertising or a reward to help find your rabbit. Most policies can include third party liability, in the event your rabbit injures someone or causes an accident.
However, routine trips to the vet, such as for neutering and vaccinations, are unlikely to be covered by a pet insurance policy, nor will any pre-existing conditions if you switch to a different insurance provider.
Exoticdirect Rabbit Insurance Review
ExoticDirect offers £2,000 of cover for rabbits’ vet treatment, due to accident, sickness, or disease. ExoticDirect charges about £153 per year to insure a rabbit, with the option to spread the costs across 10 monthly payments. Up to three rabbits can be added to each policy.
There are two policy types to choose from: The Essential policy spreads the vet fee cover across all the rabbits insured on the policy, and Premier offers £2,000 of vet fee cover for each pet on the policy. The premium changes depending on how many rabbits you cover, and which policy you choose.
Exotic Direct is rated 4.2 out of 5 by its customers, based on 65 customer reviews on the company’s Facebook page.
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Why Should You Insure Your Rabbit
Did you know that youre more likely to claim on your pet insurance than your car or home policy? Unfortunately, pets are just as susceptible to illness and injury as we are in fact, 90% of the claims Petplan pays out are for illness, rather than accident. Insurance can help you ensure your rabbit gets the best care possible.
Do I Need Rabbit Insurance
Your pet rabbit is unlikely to eat you out of house and home, so its unlikely to cost a great deal to keep. But what do you do if your rabbit is injured in an accident or develops an illness? Despite your pet being small in size, veterinary bills can still be very expensive, especially if you have to make lots of visits. Having rabbit insurance can offer you peace of mind should something go wrong. It can also give you financial protection against a wide range of risks that you could face as a pet owner.
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About The Author: Kimberly Alt
Kimberly leads copy and research strategy for Canine Journal. She has more than a decade of professional writing and editing experience under her belt, including working for multiple newspapers, magazines, and websites. Some popular companies she has helped with include Better Homes & Gardens, Parents.com, and the International Brotherhood of Electric Workers.
Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. She has been writing about dogs since 2014, covering subjects such as dog insurance, training, health, accessories, and more. She is a member of Dog Writers Association of America, and her work has appeared in many notable brands, including The New York Times’ Wirecutter, Reader’s Digest, Forbes, People, Woman’s World, and Huffington Post.
In 2017, Kimberly and her husband adopted their Coonhound mix, Sally, from a local shelter. Sally is a great family dog and is gentle around Kimberly’s two children, who are completely infatuated with her. When Kimberly isn’t writing about all things dog, you can find her taking walks with her family, playing in her yard with her kids, trying a new recipe in the kitchen, exploring the national parks, and spending as much time outside as possible.
What We Cover
Wells Fargo Healthy Advantage
Wells Fargos Healthy Advantage program is designed to ease the stress of high veterinary costs by offering customers an alternative payment method.
Wells Fargo Healthy Advantage is a credit card that offers a reasonable interest rate and flexible payment options, making it easier for pet owners to access quality veterinary care when they need it most.
You can use a Healthy Advantage account to pay for any treatments received in a participating veterinary office with no exclusions. All breeds and ages of animals are eligible.
Customers who already have pet insurance can use the Healthy Advantage card to pay for their out-of-pocket expenses, such as their copay and deductible, as well as any costs not covered by their insurance provider.
Wells Fargo has temporarily had its BBB accreditation and rating revoked while it responds to five separate government actions that have been filed against it.
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/7 Access To Argos Vet Assistance
When you take out a rabbit insurance policy with Argos Pet Insurance, you will get access to our Argos Vet Assistance. Its there for any non-emergency rabbit health queries, behavioural and nutritional advice. Whether you want some advice about feeding or are concerned about their change in behaviour, our veterinary nurses are available online or over the phone any time of day or night. Its also an opportunity for you to talk to someone should you have healthcare concerns or sadly lose your rabbit.
Is There Anything You Dont Cover
There are some things that arent covered with our pet rabbit insurance, including vaccinations and the cost of routine and preventative treatments.
Double check your policy document for full details but heres an example of some of the things we wont pay for:
- Pre-existing conditions, symptoms, illnesses or injuries that your rabbit had before you took out a policy
- Any illnesses within the first 14 days
- Any accidents, injuries or poisoning in the first three days
- Cosmetic dentistry or cleaning, descaling, trimming, burring or rasping your rabbits teeth
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The Age Of Your Rabbit
Your insurance policy can start from when your little bunny is just 8 weeks old, right up until their 5th birthday. However, once your rabbit is insured this can continue for the rest of their life. In order to keep your rabbit hopping and happy, you must take proper and reasonable care of it by keeping on top of recommended check-ups and following all advice given by your vet.
Do Rabbits Need Pet Insurance
Rabbits are often regarded as one of the most low-maintenance pets available. Its easy to meet your bunnys daily needs by providing them with shelter, fresh food, and water. And plenty of cuddles of course! But like other pets, rabbits are susceptible to disease. Common ailments that rabbits can suffer from include myxomatosis, eye and ear infections, Pasteurella infections, and overgrown teeth.
Whether your bunny is a dwarf rabbit, mini lop, Flemish giant or any other breed, its worth taking a look at pet insurance to make sure you dont get a bad shock when you get your vets bill.
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What Is Not Covered By Pet Insurance
This refers to all vet care and procedures to prevent illness and keep your pet healthy. This usually includes: spaying and neutering, annual checkups, vaccinations, flea & tick control, heartworm medication, teeth cleaning, ear cleaning, and microchipping. These are almost always excluded from pet insurance coverage.
What Does Our Rabbit Insurance Cover
Our rabbit insurance is a lifetime policy, meaning it will cover conditions your rabbit faces in their lifetime, but up to a set vet fee limit which is reinstated each year. You want to make sure your fluffy companion keeps healthy and happy, so weve put together the below table to outline what you will get from our lifetime policy.
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What Does Pet Insurance Cover
Whats covered by a pet insurance plan will depend on the type of plan you buy. Most pet insurance plans cover accidents and illnesses. Within those categories, specific coverage can vary. For example, not all plans pay for the vet exam fee, and not all pay for behavioral therapy.
You can add a routine wellness plan to many pet insurance policies. This will offset the cost of the annual wellness visit, vaccinations, heartworm treatment and other routine care costs that help keep your pet healthy.
Before gravitating to the cheapest plan, try to compare the actual benefits so that you can get value from the policy you buy, rather than a lot of claim denials.
Are There Any Animals That Cant Be Insured
We can insure dogs, cats and rabbits, but we cant provide insurance for:
- Any dog thats registered under the Dangerous Dogs Act 1991 and the Dangerous Dogs order 1991 or Dangerous Dogs Act 1997 or any subsequent amendments, or a dog crossed with any of these. In addition, any dog that is an American pit bull terrier, perro de presa Canario, wolf or wolf hybrid, or a dog crossed with any of these
- Any pets which have aggressive tendencies or have been trained to attack or begin to have these tendencies during the policy period of insurance
- Any pets used for any business, trade or profession or any form of racing or hunting
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How Much Does Pet Rabbit Insurance Cost
There are lots of different factors that play a part in the price of pet insurance for rabbits. It can depend on the age and breed of your rabbit plus where you live in the country.
Remember that cost isnt the only important thing to consider when youre looking to compare rabbit and pet insurance. You need to think about your level of cover too and look closely at whats included.
For example, cheap rabbit insurance may not give you all the cover you need and could cost more in the long run. Of course, that doesnt mean the most expensive insurance is automatically the best pet insurance for rabbits in the UK.
The best thing to do is take a look around, get some quotes and find the best rabbit insurance for you.