Pet Insurance for Rabbits: Everything You Need To Know


Dogs and cats are typically the first animals that come to mind when one mentions the word “pet.” Surprisingly, a growing number of people are choosing to bring rabbits into their homes as pets for their families, and many of these bunnies are even housed inside.

Dogs and cats are typically the first animals that come to mind when one mentions the word “pet.” Surprisingly, a growing number of people are choosing to bring rabbits into their homes as pets for their families, and many of these bunnies are even housed inside.

 Many people who keep rabbits as pets claim that they adore their rabbits in the same way that other people like their cats and dogs. 

A manifestation of this affection is manifested in the form of providing the rabbit with the highest standard of veterinary care. Because of this, a lot of rabbit owners are considering getting some kind of pet or rabbit insurance.

Pet Insurance for Rabbits

How Does Pet Insurance for Rabbits Function?

Pet insurance for rabbits, just like regular pet insurance, covers unforeseen trips to the veterinarian as long as they fall within the parameters of the insurance plan that you pay for. 

Accidents, diseases, examinations, laboratory expenses, prescription drug costs, x-rays, hospitalization, and a variety of other services may be covered for your rabbit under your pet insurance policy.

Because rabbits require care that is distinct from that required of dogs and cats, you may require the services of a specialized veterinarian, which will likely result in an increase in the cost of your veterinary care. 

The piece of mind that comes from having rabbit pet insurance comes from knowing that if something unfortunate were to happen to your bunny, you would not be responsible for footing a hefty medical expense. You should instead concentrate on spending time with your rabbit and providing them with the affection they require.

What exactly is meant by “Rabbit Insurance”?

The main difference between rabbit insurance and pet insurance for a dog or cat is that the former is intended for the latter, while the latter is intended for the former.

 In the event that their pet rabbit requires medical attention, rabbit owners can obtain a policy known as “rabbit insurance” to assist in covering the costs of the visit to the veterinarian. 

It is possible that you will need to send your pet rabbit to a specialized veterinarian or a veterinarian that specializes in treating exotic animals in order to receive the proper care for your rabbit. The cost of this care may be more expensive.

How does one go about purchasing Rabbit Insurance?

The coverage provided by rabbit insurance is comparable to that of other types of pet insurance. It is intended to be of aid in meeting the costs associated with veterinary care for the rabbit. It pays for unplanned trips to the veterinarian for treatment of disease or injury. 

The following are examples of things that are commonly covered by a rabbit insurance policy, although there may be other services included as well:

  • X-rays and diagnostic testing
  • Accidents
  • Examinations
  • Illnesses
  • Laboratory fees
  • Prescription medications
  • Hospitalization

Exclusions are situations or circumstances under which an insurer will not honour a claim and, as is the case with virtually all pet insurance policies, rabbit insurance is no exception. 

Pre-existing conditions, behavioural training, housing, grooming, treatment for experimental services and supplements, are some of the things that fall under this category. On the actual policy itself, one can find a list containing all of the exceptions to the coverage.

Which Pet Insurance Companies Will Cover Rabbits?

At the moment, Nationwide Insurance is the only insurance provider that offers pet insurance for rabbits as a type of animal. The costs for rabbit insurance can range anywhere from $35 to $80 per month, depending on the breed of the rabbit and the location of the policyholder.

 They offer just one fundamental policy, which is known as Bird and Exotic Pet Insurance, and it covers a variety of exotic pets. They might provide varying alternatives for deductibles and coverage limits.

The following is an illustration of how a plan that has an unlimited amount, a deductible of $250, and reimburses at a rate of 90 percent might function for rabbit owners. The rabbit goes to the veterinarian, who provides covered services that add up to a maximum of $600 in costs for the owner.

 The owner is responsible for paying the $250, which results in a remaining debt of $350. The owner is responsible for paying $35 (the remaining 10 percent) in addition to the $250, which brings the total up to $285. The insurance company is responsible for paying $315 (90 percent x $350) of this sum.

When compared to the original cost of the bill, this may not seem like much, but it actually represents a significant reduction in that cost.

 It is important to keep in mind that the whole cost of veterinary care for an exotic animal, such as a rabbit, which is typically classified as such, can easily exceed $600 in the event that the rabbit gets a serious illness.

Owners of rabbits need to make direct contact with Nationwide in order to obtain precise information regarding the amount of coverage and the associated fees. 

It is the owner of the rabbit’s responsibility to pay for the veterinarian services at the time those services are rendered and then to submit a claim to the insurance company. You can file the claim on your smartphone as long as you have the company’s mobile app installed.

Diseases and Conditions That Affect Rabbits, On the whole, rabbits are rather healthy creatures; nevertheless, there are a few ailments that rabbits are more likely to contract than other animals. Here are a few examples:

  • Uterine tumours
  • Snuffles
  • Hairballs
  • Overgrown teeth
  • Myxomatosis
  • Encephalitozoonosis
  • Pasteurellosis
  • Viral hemorrhagic rabbit disease

This might sound like a significant number of illnesses, but when you take into account all of the diseases that animals can contract, it’s actually quite a small number. These are merely the ailments that are possible for them to get; it does not necessarily follow that they will get these illnesses.

 The majority of problems can be avoided if owners are aware of what their rabbits require, provide them with good care and a nutritious diet, ensure that their bunnies are up to date on their immunizations, and ensure that their rabbit visits the veterinarian on an annual basis.

According to Nationwide Insurance, the following are the kind of claims they receive the most frequently about rabbits:

Overgrown teeth:  when a rabbit doesn’t grind its teeth on a regular basis, a condition known as overgrown teeth might develop. The teeth become disproportionately huge and begin to curl, which makes it difficult for the person to eat or even close their mouth.

Ileus : Ileus is a condition that manifests itself in rabbits when the gut of the animal is unable to function normally and expel waste product from the body through the intestine.

Conjunctivitis: Conjunctivitis is a condition that manifests itself when the membranes that line the inside of the eyelid and the white part of the eye become inflamed or infected. Pink eye is another name for this contagious eye condition.

The concept of purchasing rabbit insurance might not seem necessary in this day and age when the majority of individuals say they do not have the money to pay for insurance.

On the other hand, having rabbit insurance can mean the difference between your pet rabbit getting the necessary medical care and obtaining only what you can afford, as well as you and your family avoid the heartbreak of losing a much-loved family pet.

Frequently Asked Questions

How Much Does Insurance Cost for a Rabbit?

The majority of policies for rabbits offered by Nationwide begin at approximately $10 per month. However, this cost can vary based on the insurance policy that you choose and the requirements of your rabbit’s health condition. Prices are subject to change at any time without prior notice.

Does a rabbit require its own separate insurance policy?

Even though cats and dogs are larger than rabbits and require significantly more care than rabbits do, owners of rabbits should still protect their pets with complete insurance coverage in case they are involved in any kind of mishap or suffer an injury.

Does insurance for rabbits extend nationwide?

Only Nationwide can provide coverage for your bird, rabbit, reptile, or other exotic pet, so if you’re looking for it, you won’t find it anywhere else. This reasonably priced insurance policy for exotic pets covers accidental injuries and illnesses, as well as checkups, laboratory expenses, prescription drug costs, X-rays, and other medical services.

Dr. Cynthia Ford

Hey, I am Dr. Cynthia Ford an absolute gem of a Veterinarian. Bringing to Petcarely decades of experience. I’ve got an overflowing talent and passion for breeding and taking care of pets(all kinds of pets), educating/guiding their owners, and building responsible pet owners. My goal is to give pets all over the world a better life and to recommend the best tips, advice, and product(s) to every pet owner.

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