Best Pet Insurance Plan for Rabbits (2023 Guide)
When we think of pets, what generally comes to mind are cats and dogs. Surprisingly enough, many people are now choosing to have rabbits as their family pets, with many rabbits even being kept indoors. Rabbit owners state that they love their pet rabbit every bit as much as others love their cats and dogs. Part of this love involves providing the rabbit with the best possible medical care. For this reason, many rabbit owners are looking into some of the best pet insurance provided.
What is Rabbit Insurance?
Other than the fact that it’s for a rabbit, rabbit insurance is very similar to the pet insurance you would get on your cat or dog. Rabbit insurance is an insurance policy that rabbit owners purchase to help pay for veterinarian bills should the rabbit require medical care. Because rabbits require different care than what dogs and cats, you may need to take your pet rabbit to a specialized vet or an exotic animal veterinarian, which could result in a higher vet bill.
How Does Rabbit Insurance Work?
Rabbit insurance works in much the same way as any pet insurance works. It’s designed to provide assistance in paying for veterinary bills for the rabbit. It covers unexpected visits to the vet for accidents or illnesses. Although there may be additional services, items that are typically covered under a rabbit insurance policy include:
- Prescription medications
- Laboratory fees
- X-rays and diagnostic testing
Like most pet insurance policies, rabbit insurance also has exclusions or things for which they will not pay. These include pre-existing conditions, grooming, behavioral training, boarding, supplements, and treatment for experimental services. A list of all the exclusions can be found on the actual policy.
What Companies Cover Rabbits?
Currently, Nationwide Insurance is the only insurance company to offer pet insurance to rabbits. Rabbit insurance premiums vary by the rabbit breed or location, but some policies may start as low as $35 per month. They have one basic plan, which is described as Bird and Exotic Pet Insurance. They may offer different limits and deductible options.
Here is an example on how a plan with an unlimited amount, $250 deductible and 90% reimbursement might work for rabbit owners. The rabbit sees a vet and is billed for covered services that total up to $600. The owner must pay the $250, which leaves a balance of $350. Of this amount, the insurance company pays $315 (90% X $350), and the owner pays $35 (remaining 10%) PLUS the $250 for a total of $285.
While this may seem like a lot, it’s a huge help when you consider what the bill was originally. Keep in mind also that the bill for veterinary services for an exotic animal, which is how rabbits are often categorized, can be much higher than $600 if the rabbit develops a serious illness.
To get the exact amount of coverage and fees, rabbit owners must contact Nationwide directly. The rabbit owner is responsible for paying for the services at the time of the service and then filing a claim with the insurance company. If you have their mobile app, you can submit the claim through your smartphone.
Common Claims/Illnesses for Rabbits
Although rabbits are relatively healthy animals, there are certain illnesses that rabbits may be prone to getting. Here are a few.
- Overgrown teeth
- Uterine tumors
- Viral hemorrhagic rabbit disease
This may seem like a large amount of illnesses, but it’s not really when you consider all the diseases animals can get. These are also just illnesses they could get but not necessarily illnesses they will get. Many of these can be eliminated if owners know what their rabbits need, provide them with good care and a healthy diet, keep the rabbits current on vaccinations and make sure the rabbit has annual checkups with the vet.
According to Nationwide Insurance, the most common insurance claims they get for rabbits include:
- Overgrown teeth – This occurs if the rabbit doesn’t regularly grind its teeth. The teeth grow large and begin to curl, which can prevent them from eating or even closing their mouths.
- Ileus – This occurs when the rabbit’s bowel is unable to work properly and remove waste product out of the body via the intestine.
- Conjunctivitis – This occurs when the inner eyelid and other membrane of the eyeball become irritated or infected. This disease is also referred to as pink eye.
In a day and age where most people claim they’re “insurance poor”, the idea of buying rabbit insurance may seem unnecessary. However, rabbit insurance can mean the difference of your pet rabbit receiving the medical care it needs rather than what you can afford and your or your family not losing their beloved family pet.
Frequently Asked Questions About Pet Insurance for Rabbits
Is buying pet insurance worth it?
For most pet owners, pet insurance is absolutely worth it. We never know when our pet could have an unexpected accident or develop an illness, so having a backup plan in place to help pay for your pet’s vet bills is beneficial for most pet parents. Vet bills can quickly add up to hundreds, or even thousands of dollars, which many pet parents don’t have readily available.
Having pet insurance protects you financially and gives you peace of mind that you won’t have to say no to recommended treatments to benefit your pet’s health and happiness.
Do all vets take pet insurance?
In short, yes. Your pet insurance provider doesn’t work with your vet, so you don’t have to worry about your vet being in-network like a human health insurance plan. Instead, you submit your claim directly to your pet insurance provider, which will reimburse you based on your coverage. This allows you to go to any licensed veterinarian, whether they are at a clinic or animal hospital, to get your pet the care they need. As long as the treatment is covered under your plan, you’ll be covered.
Does pet insurance only cover dogs and cats?
Most pet insurance providers only cover dogs and cats. To date, the only pet insurance provider that covers birds and exotic pets in the United States is Nationwide Insurance. Nationwide can cover your pet pig, lizard, parrot, chinchilla, and other exotic animals. Exotic pets need excellent veterinary care just as much as dogs and cats, so consider looking into a pet insurance plan for them today if you have an exotic pet.
Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:
- Plan options
- Customer service
- Species available
- Wellness benefits
We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations.
Each factor is weighted differently based on the following factors:
- Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
- Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points. Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
- Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
- Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
- Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
- Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
- Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.
Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.