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Thank goodness for rabbit pet insurance...

sueny

Warren Scout
For those who have not insured their bunnies, please seriously think about taken some sort of cover out for them. This is why........

On Tuesday afternoon, we noticed that Daisy was hopping funny and then she literally fell out of the litter tray when she was trying to hop out of it.

We immediately took her to our vets. Although initially the vet was happy that there were no broken bones, she wasn't happy about how the right foot was at a slightly different angle to the other one. She advised us to have Daisy x-rayed but that would cost £50 alone. We told her to go ahead with it as Daisy was insured. She was quite surprised to hear that we had insured our rabbits as she said not many people do.

From the x-ray, they were able to say that Daisy had dislocated her right hip. That same night, the vet attempted to pop the hip back into placed but failed as Daisy was so small, the joint just kept popping back out. We were told that they would rest Daisy that night and try again in the morning. We received a call from the vet on mid Wednesday morning, only to be told again that it still wasn't working as the joint kept popping back out. They told us that they would speak to some rabbit specialist to see what other options there were and would get back to us.

By now, we (us and the children) were totally distraught, with the possibility that we may have to put Daisy to sleep.

The vets called at 4pm Wednesday to say that they could try a surgical procedure called Arthroplasty. This is a surgical procedure where the head of the femur is removed, so there is no ball and socket joint anymore. Muscle is stitched in to hold the hip in place. They told us that this was a procedure was very successful with cats and dogs but at this practice, they have never performed it on a rabbit. We were also told that it wasn't cheap either and it would be around £400 plus around £120 for the x-ray and care so far. We went ahead with the surgery having spoken to the insurance company first.

They carried out the surgery on Thursday morning and we were told on Thursday lunch time that Daisy had pulled through the surgery and was awake albeit a little groggy but all in all she was doing really well for such young rabbit. They kept her overnight again for observations.

I am pleased to say that we picked Daisy up this morning and she is now home. The children have made her a "rabbit hospital" in the second living room where they have set a pen up for her to recover in for the next week or so. So far, she is doing well, eating, drinking and pooping which is what the vet wants. We can't wait to reunite her with her sister Pip. We still don't know how she has managed to dislocate her hip.

The total bill for her visit to the vet was £572!!!

We are eternally grateful to our vets, thank you Shires Vets in Stone (Staffordshire), we feel that our family is complete again.

Just hope she can leave them stitches alone long enough!!!

For your information, we used helpucover.co.uk for the insurance and the cost of the cover for the two of them is £12.10 per month. WELL WORTH IT!!!





 
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Thanks for sharing. I couldn't agree more and I think big bills for rabbits is something that a lot of people think are rare but are much more likely that they bargained for!

I had that awful dread recently with Barnaby when he had a gut problem and I thought he wouldn't be insured because he's previously had stasis even though no firm diagnosis was given for the stasis. It was a few months ago when finances were very tight and I thought I might have to make some awful decisions based on financial considerations. Fortunately as his previous x-rays didn't show any abnormalities but the new x-rays did he was covered. I hated the feeling of maybe having to decide his fate based on money, I would never now not have a rabbit insured - I've had quite a few bills between £500 and £1400 now - I'd never catch up with one before getting the next.
 
Thanks for sharing. I couldn't agree more and I think big bills for rabbits is something that a lot of people think are rare but are much more likely that they bargained for!

I had that awful dread recently with Barnaby when he had a gut problem and I thought he wouldn't be insured because he's previously had stasis even though no firm diagnosis was given for the stasis. It was a few months ago when finances were very tight and I thought I might have to make some awful decisions based on financial considerations. Fortunately as his previous x-rays didn't show any abnormalities but the new x-rays did he was covered. I hated the feeling of maybe having to decide his fate based on money, I would never now not have a rabbit insured - I've had quite a few bills between £500 and £1400 now - I'd never catch up with one before getting the next.

You just can't described how distraught you actually feel about the whole thing and that's knowing we were covered. Like you said, it would have been heartbreaking having to make a decision based on finances. I'm so so so glad that I insured them from day one.
 
Thank you for sharing.
Daisy hardly looks phased does she? Bless her! :love:

Thanks RavenMoon.

The vet did say they were very worried about her having a general anaesthesia for the surgery, with her being a baby still, they did have their concerns. They couldn't believe what a fighter she was for a bunny that's still so small.

She's still very inquisitive and has come over to me in the pen for a stroke or two. We are just so so happy to have her home!!! It's just not been the same without her.
 
Bless her, that bottom photo she looks completly unbothered!

Im with helpucover, good to know they are good. Did they pay out ok? x
 
Oh poor daisy! I'm so glad she is ok.(I've got a soft spot for your two, they look like such cuties in your pics) I have also insured my two after a week or two of thinking about it. Just the fact it means you can afford to have things like this done without even having to think about it makes it worth it. Hope she continues to recover well and Pip isn't missing her too much!
 
So glad Daisy is OK, bless her :) :)

I also have felt a huge benefit from having insurance with Petplan. I've paid between £11-£13 a month for the last 4 years and in that time they've paid for more than £1500 worth of treatment... and I just submitted a new claim to them for £380.
 
Bless her, that bottom photo she looks completly unbothered!

Im with helpucover, good to know they are good. Did they pay out ok? x

The vets are sorting out the claim but before I went ahead with the surgery for Daisy, I did speak to the claims line first. They wouldn't say 100% that the claim would be validated but she said...

"We're not allowed to say 100% whether we would pay out on a claim or not but I've just gone through your policy and you have the Premier cover for Daisy. I can't see any reasons why we wouldn't pay out if you know what I mean".

The vets said they send the paperwork off on Monday, I'll let you know the result. On the claims form, it said they would pay within 3 days. We shall see!

She is totally unbothered by it all!!! And doing really well so far.
 
I really wish I had with mine, or at least Frankie. I knew there was something about her the second I saw her :lol:

My reasons for not, were paying the excess would have been I think £50 and treatments my past bunnies had were roughly £69. Plus they were dentals on my bridge bun Chester that wouldn't have been covered anyway and I had no experience of bigger bills. I would have had 3 premiums to be paying monthly so thought I would be better off just having a savings account for them. Boy how wrong was I!!!? A month ago Frankie cost me over £600, a year after a £540 bill, and I have had many smaller bills in between with them all. I am really broke now, with not much chance for the foreseeable future to top their account up so if I could have got that last £600 that would have been worth paying the premiums for the last few years.

Gaaah, hindsight!!

I'm glad Daisy is doing so well, she's a real little cutie :love:
 
I really wish I had with mine, or at least Frankie. I knew there was something about her the second I saw her :lol:

My reasons for not, were paying the excess would have been I think £50 and treatments my past bunnies had were roughly £69. Plus they were dentals on my bridge bun Chester that wouldn't have been covered anyway and I had no experience of bigger bills. I would have had 3 premiums to be paying monthly so thought I would be better off just having a savings account for them. Boy how wrong was I!!!? A month ago Frankie cost me over £600, a year after a £540 bill, and I have had many smaller bills in between with them all. I am really broke now, with not much chance for the foreseeable future to top their account up so if I could have got that last £600 that would have been worth paying the premiums for the last few years.

Gaaah, hindsight!!

I'm glad Daisy is doing so well, she's a real little cutie :love:

Sorry to hear about Frankie.

I know it's difficult especially when you're faced with 3 premiums to pay for monthly. I had two to pay for but I will research everything to death before i start paying out. I managed to get both my bunnies insured for just £7.60 with helpucover.co.uk premier life cover.

This is how I did it...

The quote from them was £6.05 for each bunny, that's £12.10 per month for both of them or £145.20 per year for both of them.

The quote includes a multi pet discount plus they did the first month free for the second bunny. That's £145.20-£6.05 = £139.15 per year for both bunnies.

Quidco were and still are doing a cash back offer of £24 per policy. That's equivalent to a further £48 off per year, which bring it down to £91.15 per year for both bunnies.

£91.15p / 12 months = £7.60 per month for bunnies or just £3.80 per month per bunny.

To be honest, we initially thought about just putting some money away for the rabbits in case of emergencies but having worked this out, this worked out cheaper than putting away £20 a month for them. Plus the fact we've only had the bunnies for less than two months, we would of only had £40 in the rabbits savings and the vets bill today was £572!!!
 
Sorry to hear about Frankie.

I know it's difficult especially when you're faced with 3 premiums to pay for monthly. I had two to pay for but I will research everything to death before i start paying out. I managed to get both my bunnies insured for just £7.60 with helpucover.co.uk premier life cover.

This is how I did it...

The quote from them was £6.05 for each bunny, that's £12.10 per month for both of them or £145.20 per year for both of them.

The quote includes a multi pet discount plus they did the first month free for the second bunny. That's £145.20-£6.05 = £139.15 per year for both bunnies.

Quidco were and still are doing a cash back offer of £24 per policy. That's equivalent to a further £48 off per year, which bring it down to £91.15 per year for both bunnies.

£91.15p / 12 months = £7.60 per month for bunnies or just £3.80 per month per bunny.

To be honest, we initially thought about just putting some money away for the rabbits in case of emergencies but having worked this out, this worked out cheaper than putting away £20 a month for them. Plus the fact we've only had the bunnies for less than two months, we would of only had £40 in the rabbits savings and the vets bill today was £572!!!

That worked out really well! I wouldn't have even have remembered Quidco for pet insurance but use it for shopping. I wonder if they would insure any of mine now. They are three now and Frankie will have recurring problems with her tooth roots for life. She has occasional tummy issues with stasis and has had bloat. I imagine it all has to be declared when applying and would push her price up if they would insure her at all.
 
That worked out really well! I wouldn't have even have remembered Quidco for pet insurance but use it for shopping. I wonder if they would insure any of mine now. They are three now and Frankie will have recurring problems with her tooth roots for life. She has occasional tummy issues with stasis and has had bloat. I imagine it all has to be declared when applying and would push her price up if they would insure her at all.

You can but try. Go online and get an initial quote and go from there. Speak to their customer service and ask them about the pre existing conditions etc.
 
That worked out really well! I wouldn't have even have remembered Quidco for pet insurance but use it for shopping. I wonder if they would insure any of mine now. They are three now and Frankie will have recurring problems with her tooth roots for life. She has occasional tummy issues with stasis and has had bloat. I imagine it all has to be declared when applying and would push her price up if they would insure her at all.

Pre-existing conditions shouldn't push the price up because they won't be insuring for those conditions. In fairness pre-existing conditions should lower the premium as you are not getting cover for everything that another rabbit would be getting.... doesn't happen that way though!

I've never had to declare pre-existing conditions when taking out a policy. I've filled in the on-line form with animal's age etc which doesn't go into detail about health. On making the first claim they get the health history whereupon they will deem what is pre-existing and not covered but everything else should be covered. I doubt they would refuse to insure a bunny with pre-existing conditions because it works in their favour - they have less to insure for the same cost! I would definitely insure a rabbit who has a few exclusions for pre-existing conditions - with Artie he had exclusions for everything gastro-intestinal and bladder-related but after insuring he got kidney stones which cost £1,400 so thank god I still insured! I've the same with Rudy - he was excluded for dental and therefore any facial abscesses, also for anything gastro-intestinal. He currently has anaemia, possibly liver-related, so despite him seeming like a case not worth insuring, he's looking like another case of "thank god I did!".
 
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