Please Note - Medical Advice
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L McGreig said:I think its better to put money aside, if it is not used at end of year it can be put to use, insurance money is gone.
It depends if you could cover fees if there wasnt enough money in the pot.
Its worth it for one or two bunnies but not really more than that in my opinion.
RussAb said:In my view, it's one of those things where there's a load of pros and cons and it's basically down to which of those you think will affect you the most.
I'd say insurance is likely to be more expensive than your expected vet bills on average as otherwise insurers would go bust. So for me the most important comparison I think is whether I think the extra I'm paying is worth the peace of mind I get from knowing that if I'm one of the unlucky ones who gets higher than average costs, then it won't break the bank.
I see insurance as basically swapping uncertain costs (could be high, could be low) for certain 'reasonable' costs. And it's up to me to decide which is of most use to me.
At the moment I have a reasonable amount of spare cash so I'm not all that concerned at needing a certain cost. But as I'm new to bunnies and vets I decided that insurance was a good idea for me until I knew a bit more about what can go wrong, what vets charge etc etc, so I did take insurance out.
Just some of my random thoughts .
Russell
Yeah absolutely. Looks like our circumstances are pretty different (I can only dream about having 6 bunnies :lol: ) so we won't necessarily conclude the same thing. I'd certainly say that it's a good idea to follow your example and have a proper think about what's best for them, like you clearly have.Tree said:I agree too, but I have six buns, I am trying to think which would be more viable. Obviously if I have something happen which cost £1000's I will be gutted if I cancel, however if I don't I will be gutted if I don't.
Don't get me wrong I can afford the insurance, but I don't want to give my money away unless it is really needed.
At one point I had decided against insurance on the grounds that if the absolute worst occurs, I've got a credit card with a high limit and an on-demand loan facility with my bank - so I'll always have some way of paying! Worst comes to the worst, you stick it on the credit card and pay it off as and when you can. The minimum payment's likely to be £15 or £20 a month, say, which is probably something that some people could find if they had to.Tree said:I just have a horrible feelin I am going to do the wrong thing. I am going to thing about it for a bit, I've got 14 days to cancel. Thanks for your help.