When I asked this question everyone recommended petplan. I just took out a policy with them but when I read exclusions willow wasn't covered for gastro/tummy things because he had it before, so now I'm not with anyone and have opened a savings account instead :thumb:
When I asked this question everyone recommended petplan. I just took out a policy with them but when I read exclusions willow wasn't covered for gastro/tummy things because he had it before, so now I'm not with anyone and have opened a savings account instead :thumb:
Yes, I think that's the case with all insurance policies: they don't cover pre-existing conditions (for a certain length of time, anyway). Hope you managed to cancel before you lost any money.
We have our two with helpucover.co.uk
With multi pet, first month free and Quidco cashback (£24 per policy) overall it works out at £3.80 per bunny.
Took the policy out 6 weeks ago. Just as well as Daisy had a dislocated hip and we were hit with a vets bill of £572!
how would you rate helpucover, don't really like pet plan as had trouble with them in the past, also I don't want a lump payment at the beginning plan,
Just had a lookie and a quote with helpucover as I didn't know they did rabbit insurance.
On their T's and C's it says the normal stuff about no burring, no existing conditions etc but it also says they won't cover emergency vets out of hours fees - do you know if that's true or not? I might be just reading it wrong
I might switch to them, but seeing as all the claims I've made so far have been predominantly out of hours, I'm worried about them not covering?
I'm with Helpucover too. I have claimed once and they covered out of hours fees. I think it might be that they don't cover out of hours fees for home call outs (as in you have to take your rabbit to a vet not have the vet come to your home). They were really good with my claim too and reimbursed me really quickly
The major things they don't cover are:
Non emergency dentals
Pre-existing conditions
Injuries caused by your other pets (so if you have a dog or cat that injured your rabbit they basically say it's your own fault, but this does mean if you have bonded rabbits and they injure each other they don't cover)
And they only cover 25% of dietary foods (eg critical care)
I can't remember how that compares with other insurers but I'm happy with them so far. My premiums went up £1 with Lilly after one year and no claims and went up about 2p with Harvey after 1year and no claims! I don't get why that was! But they're still low premiums IMO and the excess is low too also they both get 1 month free per year for multipet discount
can I ask what happened to your bun and what happens if your insurer wont cover ?
how would you rate helpucover, don't really like pet plan as had trouble with them in the past, also I don't want a lump payment at the beginning plan,