Stator is spot on about insurance not covering vaccinations and neutering etc, and different companies will also not cover other things. When I took out my policy 3 years ago, and when I've checked every year since I've found petplan to cover the most comprehensive range of things. As Stator also said, the excess does tend to go up as the rabbit ages... for instance mine was £50 when I took the policy out and 3 years later it's now £70 - but with petplan this is per condition, so for Nena who has now maxed out two policy year limits of £2000 of treatment I only paid £70 per year. Tapla has recurring stasis/snuffles, and if she needs hospitalisation at the beginning of the year for it at £400+ and then needs it again that policy year it's just the one £70 excess. Petplan also work with quite a few vets and will allow the vet to claim back the expenses rather than you paying out of pocket, although this does differ from vet to vet. Definitely go with a for life policy.
Petplan has covered for me: repeated snuffles treatment, many stasis episodes, abscess work, and then other bits like mite treatment which Nena needed due to the stress bringing on an overgrowth of mites. Nena has had about 5 teeth removed now and petplan covered this because it was due to an abscess, and they will cover any burring in the future due to the missing teeth. They will pay to have any teeth removed if they are infected, broken, or causing so many problems that they need to be removed. Petplan do (last time I looked, and Honeybear above has had this covered) cover dental burring as long as you have a full dental checkup at least once a year. This can just be done when you have them vaccinated, as long as the vet records it down in their notes. Essentially illness or injury will pretty much be covered unless it's as a result of not vaccinating, and I think possibly not spaying/neutering. I don't think most companies cover complications relating to breeding, etc. A vet will often fight on your behalf if you ask them too as well... I've had a few small things of about £10-20 rejected as the company queried whether they were necessary for the surgery, however if the vet sees fit to use them for that ailment then the insurance company will almost always agree to it. They do tend to just reject it and you have to try and work it out :lol: However, in about £5000 worth of things I've claimed it's only happened with Nena's abscess surgery which required strange things like F10 disinfectant given to me to flush the abscess out. I can definitely understand why the insurance company thought there might've been an error :lol:
As Stator said, many vets offer plans for neutering/vaccinations/checkups/claw clipping etc. If you (or anyone reading this) haven't had your bunnies neutered/spayed yet they can often work out to be a good deal. Definitely price those up though, as panacur isn't usually recommended as a routine thing as it is in dogs and cats; and some of the other things they include are sometimes not necessary.
