All 5 of my house bunnies are insured with Petplan and I can't praise them enough. You get a discount if you have 3+ insured with them. Policies are under £10 per month per bun. I only have to pay a £50 excess and my vet deals directly with them, so I don't have to pay the bill initially and then claim it back, just the excess. I really appreciated this on New Years Day this year, because probably like most people I was absolutely skint and so true to form, my 'special needs' bunny crashed into the lounge wall during a mega binky and split his head open, and had to be rushed to vets. £153 that day for emergency consultation, and meds to keep him comfortable, went in the next day for GA, X-rays etc, shaved his head (looked a right thug!!) 7 sutures and another £227, but only had to pay excess. What a relief!! My vet is brilliant and suggested that because he was booked in for castrate the following week, did it on Jan 2nd, and only had to pay £25 instead of £75, because vet said GA etc could go on insurance claim for head injury, and he wouldn't want to give him another GA the following week, so that actually saved me money. Petplan paid and have always paid all of my claims no problems, and vet says that pay out within 10 working days, usually day 5 or 6. They don't cover vaccinations or neutering, but without realising it they did pay for most of Dipsy's castrate lol. My previous severely disabled bun Roger, was deaf, had a stroke, pasterella, hernia, loads of things and never had any problems whatsoever with anything being paid. He also had absolutely terrible teeth and had a number of dentals, and these were all paid as well. I think with regards dentals, they don't cover them, but a lot seems to depend on how helpful your vet is. For example, Roger developed a terrible abcess under his tongue and needed a dental, but because vet said in the claim that a dental was needed because of the abcess, they paid it. Whenever Roger needed a dental it was always noticed because of some trauma etc in his mouth, and so because vet put dental down as treatment needed to allow the mouth to heal, there was never a problem with it. I think they are very reasonable in as far as that one of my buns Pippa, is tiny because she nearly starved to death, but I discussed all this with them, and they did say that sometimes bunnies like Pippa can develop GI problems, and so they have put an exclusion on those type of claims for 6 months, but we have gone 4 months now. When the 6 months is up, my vet just needs to fax a report over confirming that he has not treated Pippa for any GI problems, and then they are going to remove the exclusion, and to be honest I am very happy with that.
