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Older Rabbit Insurance Premiums? ?

nickybunny1

Mama Doe
Who r your buns insured with ?

I am going to have to insure my new Rex girl who is 4 years 9 months. I get her in 4 weeks.

My vet used to reccommend Pet Plan but now have moves to Agria. I got a quote from Agria today at around £13/month. I asked how much I could expect the premium to be at 8 or 9 years old and they said could be £30!! That's too expensive, I could do up to £20/ month.

So those of you with insured older buns, who is your insurer and how much r you paying per month ?? Pet Plan quoted around £12 per month but I wonder how much this is likely to go up as my bunny gets older,?
 
Petplan for the older bunnies. Erin's is £237 a year but the excess is £110 + 20%. I've kept Erin's insurance going as she has regular dentals. (She's aged 9)

I've cancelled Esme and Tinkerbell's insurance, which were similar to Erin's as the monthly premium was ridiculous when I considered the excess and how likely I was to claim/how much I'd get back after the whooping excess etc.

Rudy is a tad older than them, (9 going on 10) and his insurance strangely is only £159 per year (also Petplan)

I have Dinky insured with Pets at Home (policy as it stood no longer available). She is now 9 and premium is about £125 with £75 excess + 10%. I will be keeping that on as long as it doesn't go as steep at the PP ones.

I won't be taking any more bunnies on for a considerable amount of time given that I don't feel confident with the insurance cover for older bunnies, but that's as I own many bunnies, for the odd one or two I'd just grit my teeth and do it.
 
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Thanks for this Bunny Buddy, I would be able to cope with one bun with this higher premium that Erins is , strange Rudys is less. What is the 20% all about? Yes I remember reading the P@H was good but now they don't do it .
 
Thanks for this Bunny Buddy, I would be able to cope with one bun with this higher premium that Erins is , strange Rudys is less. What is the 20% all about? Yes I remember reading the P@H was good but now they don't do it .

As well as the Excess, you have to pay a percentage of the bill: in this case 20%. I finally stopped insuring my two because the premium, excess and extra % became ridiculous as they got older.
 
Thanks for this Bunny Buddy, I would be able to cope with one bun with this higher premium that Erins is , strange Rudys is less. What is the 20% all about? Yes I remember reading the P@H was good but now they don't do it .

With Petplan once rabbits reach the age of 7 (the renewal after 7th birthday) they also make you pay 20% after the set excess! This is something I didn't know when I took out my Petplan policies. I would have insured with Pets at Home, had I known. Rudy is male and the other 3 with higher premiums were female, don't know if that's a factor. I did insure Rudy with PP a few years after the others as I swapped him to P@H and then chickened out and moved him back just before his 5th birthday :roll:
 
NCI Insurance is good for older bunnies. I'm with them now since other insurers think Doughnut is old as she's 5!
 
20% of the bill !! That's terrible, and sneaky. Glad u mentioned this. Yes Cpayne, have been looking at NCI, think I will ring them back for another chat.
 
Did you swap from another plan, or have you only ever been with NCI?

I was with Petplan initially then their premium went up a lot so went with helpucover or something like that. When she got to 5 their excess was about 20/25% of the cost plus something like £50. Called around and a lot said they wouldn't insure her so I went with NCI as only about £50 excess.
 
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I rang NCI and git a quote for around £10. And it was around around £10 for a 7 year old bun. They said they don't cover reoccurring conditions? ?? And that stasis would be viewed on a case by case basis. I am gonna ring Petplan to see what they say.
 
I rang NCI and git a quote for around £10. And it was around around £10 for a 7 year old bun. They said they don't cover reoccurring conditions? ?? And that stasis would be viewed on a case by case basis. I am gonna ring Petplan to see what they say.

Ooh, that's worth looking into .. I have two more buns that I was just about thinking of insuring with NCI :?

Exotic Direct were like that - once they had paid out for a condition, ti was excluded. So I guess that's termed NOT 'lifetime cover'?
 
MM you're right - it's not a lifetime cover.
It's a condition cover which is the worst policy you can get, so explains why it's so cheap. Imagine if I got a condition cover.... they'd pay the first £300 for Phoebe's dental then every 6 to 7 weeks I'd have to pay £250 out of my own pocket.

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I think you have to be careful with PetPlan, too, and ensure you choose the lifetime cover policy.
 
MM you're right - it's not a lifetime cover.
It's a condition cover which is the worst policy you can get, so explains why it's so cheap. Imagine if I got a condition cover.... they'd pay the first £300 for Phoebe's dental then every 6 to 7 weeks I'd have to pay £250 out of my own pocket.

Sent from my SM-G903F using Tapatalk

I've just done a dummy quote for NCI and it is definitely life time cover on the page I was using. They even talk in the sales pitch about covering conditions for long-term/life etc.
 
MM you're right - it's not a lifetime cover.
It's a condition cover which is the worst policy you can get, so explains why it's so cheap. Imagine if I got a condition cover.... they'd pay the first £300 for Phoebe's dental then every 6 to 7 weeks I'd have to pay £250 out of my own pocket.

Sent from my SM-G903F using Tapatalk

Yes, well that's not the sort of thing I'm looking for either.

I've had Exotic Direct in the past, and it suited me, but I need to know what I'm buying :)
 
Ooh, that's worth looking into .. I have two more buns that I was just about thinking of insuring with NCI :?

Exotic Direct were like that - once they had paid out for a condition, ti was excluded. So I guess that's termed NOT 'lifetime cover'?

You have the option to choose lifetime cover when you get a quote from NCI - just had a look at their website.
 
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