Candiflare
Mama Doe
anybody else pay £600 a year bunny insurance with pet plan? (for my five buns)
anybody else pay £600 a year bunny insurance with pet plan? (for my five buns)
mine would have been £420 for 3 buns, instead I put the money in a savings account.
that's a better idea... why don't I do that?
that's a better idea... why don't I do that?
I have a £100 excess - what does that mean? Does that mean I can only claim on insurance if my vet bill is over £100? Or does it mean that the insurance will only fork out for the amount that is above £100 and I have to pay the first £100?
Yes, you pay the first £100 and they will pay what's over that.
You'd be best phoning them to check this but I think it works per condition (possibly with stasis excluded);
so say your rabbit gets an ear infection and you go to the vet and get a £90 bill, you pay all of it. If you go again a week later with the same thing and it's another £40 then you could just pay £10 and they would pay the rest because your excess for this ear infection is £100.
But, if you went for the ear infection and it was £90, you pay all of it. Then you go a week later with a torn paw and it costs £140, you still have to pay £100 because it's a different condition.
These things confuse me too though, so I'd definitely double check that with your insurer.
I pay £480 a year for my four rabbits. It's definately worth it as if one (or more!) of them get chronically ill it covers for up to £2k per bun per year. Savings accounts aren't a very good substitute because they could easily run out.
^^^ this and I have absolutely no savings and not likely to be able to save so Id rather insure to be on the safe side - i think my excess is £50