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Thread: Health Insurance

  1. #1
    Warren Scout
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    Default Health Insurance

    My bunnies have been insured with Pet Plan all the time I've had them, I have a mini lop who is nearly six years old and a Netherland/mini lop cross who is 7.

    When my mini lop had stasis recently it cost 82.75, 80 of which was excess so paid by me.

    So please can you remind me why I have insurance? It's costing 47 a month, 567 a year.

    So far they have barely been ill and only have required one hospital stay, they eat only healthy food, get plenty of exercise and I do a lot to avoid infection.

    I'm guessing the answer is as they get older they will have more problems and could cost me thousands? Is there anyone here who has put the money into a bunny savings account for their rainy days instead?

  2. #2

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    really it comes down to personal preference. insurance is a gamble and may be wasted money if your pets never get sick.

    but factors to consider are how easily you are able to drop hundreds, thousands, on vet bills, and how quickly you can recover from them. its all well and good having a 2k vet fee fund - but if it would take you a year to recover from blowing all of that, its not suitable. you need to be able to recover from vet fees fast, within a couple months, or on going illnesses. some people have credit cards for this reason also

    for instance while I have quite a comfortable savings account - if an animal got sick I would not be able to recover from that quickly, *especially* a long on going illness. Luna, over about 6 months, cost me 1.7k. majority I was able to claim back via insurance, but with paying my 65 excess a few times over, alongside things I couldn't claim back (nebuliser, medication costs, transport fees), I lost around 400 or so. but had I paid the full 1.7k, I wouldn't be able to recover from that very fast at all, honestly. its taken me about 2 months to recover the 400 loss almost, never mind full 1.7k

    ultimately its personal. I know I wouldn't be able to recover from large vet fees quickly due to low income (however my pets are well cared for), so I opt for insurance. granted, its been mostly a waste for Ori as he's never gotten sick. but I'd rather pay 180 a year for nothing than end up in difficulty due to my financial constraints

  3. #3
    Forum Buddy Pets mum's Avatar
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    I agree with BC, although having said that, I do some wonder why I pay out such a large amount on Treacle, and have never claimed a penny in all that time, but then that's got to be a good thing. I guess its peace of mind if anything major happened.
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  4. #4
    Moderator Graciee's Avatar
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    Yea I agree with the above, I don't have insurance for my lot, but my healthy bun hurt herself binkying and needed leg surgery last year which cost 1500 iirc like out of nowhere, I've got two who have ongoing illnesses which cost a lot.. But things can happen out of nowhere.

    I've always wondered if I should get insurance, but then never gone for it. Like Codie says, can you drop thousands out of nowhere if the worst was to happen? If yes then maybe don't bother with insurance. If that's something you couldn't do then I'd probably stick with the insurance. It's all a bit of a gamble. I know if **** hits the fan here everyone's covered, so I haven't bothered. But insurance companies make money hoping you'll never claim.

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  5. #5

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    We have it for ours and its been a lifesaver really.

    We dont struggle per say but can't afford the bills our lot have sent our way. This last 12 months Rodney has had all of his 2k cover allowance on stasis alone.

    But then we've always seemed to have ill buns.

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  6. #6
    Warren Scout Zigzag's Avatar
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    I can’t survive without pet insurance, as others have said. It’s great to hear that you’ve had two very healthy bunnies, but we haven’t.

    We didn’t have our first rescue bunny insured, and he sadly died in 6 months and cost 2500 in pet bills, which we weren’t prepared for. We had the money, but it was a struggle

    I’ve since insured my older bunny with Agria, and my younger bunny with Pet Plan. Pet plan have been a life saver as we maxed out her allowance for 2k due to a complex eye issue.

    I wouldn’t be without insurance.

  7. #7
    Wise Old Thumper tulsi's Avatar
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    Never had insurance for my pets as I have so many. Do have some savings just in case.

  8. #8
    Mama Doe
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    Default

    Quote Originally Posted by tulsi View Post
    Never had insurance for my pets as I have so many. Do have some savings just in case.
    Me too. I use the credit card and sort it out later. If things are really desperate, PTS is always an option - affordable, relieves suffering, etc - but I've never come to that yet.

    Not having insurance often makes for more interesting conversations with vets, when you are weighing up whether to do various tests, scans, etc - and if it would actually make any difference to the treatment or outcome. I think there may only have been 2 occasions in the last 40ish years that insurance may have provided 'better' treatment, but not a better outcome, unfortunately. There are many times when the animal would have been put through procedure that didn't really provide additional benefits, but I am persistent and have a decent knowledge of biology, so could make a more informed decision in consultation with my vet. I also trust my vet/s and they know me well - which counts for an awful lot. I am also prepared to do a lot of home nursing / treatments / dressings, etc if needed. Not everyone is in the position to be able to do things this way - which is where insurance comes in.

    Some types of animals are also much more prone to some very expensive issues - eg dog breeds prone to needing replacement hip joint. There's no way I could cover that.

  9. #9
    Warren Scout
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    Thank you, some really thoughtful replies there.

    I realise I have been lucky so far with their health, I'm sorry you've not all had as much luck.

    I think I'm going to keep the insurance for now... the other half has lost his job so thing are about to get rocky.

    If you stop insurance then start again.... does that put the premiums up considering one is six years old and the other seven?

    ps I learnt how to do signatures!

    Archie and Millie

  10. #10

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    Quote Originally Posted by Moonstone View Post
    Thank you, some really thoughtful replies there.

    I realise I have been lucky so far with their health, I'm sorry you've not all had as much luck.

    I think I'm going to keep the insurance for now... the other half has lost his job so thing are about to get rocky.

    If you stop insurance then start again.... does that put the premiums up considering one is six years old and the other seven?

    ps I learnt how to do signatures!
    you probably would struggle to find insurance again - most companies won't ensure rabbits over 4-5 years old. I believe agira do an age amnesty sometime around Autumn, but that's about it. most won't insure older rabbits. so if you stop their insurance, you need to really consider you may be unable to get it again.

    premiums going up I can't really comment tbh as yeah .. finding insurance for an older rabbit may prove difficult at best tbh! also need to consider previous illnesses may not be covered under a new policy

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