Pet Insurance for Rodents

Pet insurance for rodents can often be difficult to find. Many of the major pet insurance companies don't offer cover for small mammals such as gerbils, hamsters and guinea pigs which is why its recommended that you start by looking at specialist insurance companies that cater for rodents.

Is Rodent Cover Worth It?

Before you jump in and purchase insurance, decide whether insurance is financially viable. It may be the case that it's cheaper to take your gerbil, hamster or rat to the vet yourself and pay off your own back than to claim on insurance, especially if the insurance company require an excess fee.

Rodent insurance will vary in price depending on the amount of cover you opt for. Comprehensive cover for your pet rodent will mean that your insurance company will pay out for the cost of treatment if it were to fall ill. The majority of insurance policies will have a cap in place which will determine how much they will pay out each year, and how many times you can claim for each condition.

Which Kind Of Rodent?

Pet insurance will vary in price depending on the rodent. Gerbils, rats and hamsters are relatively cheap whereas guinea pigs cost slightly more - this is based on health statistics and the cost of treatment for each type of rodent.

When searching for pet insurance for your rodent, it's recommended that you don't just compare on price but look at additional benefits which may be thrown in by the insurer. For example, some insurance firms will offer third party liability insurance which means you are covered if your pet were to injure a person or damage property. Some will even cover the cost of theft or loss of your animal, although this is rare as rodents are relatively cheap to replace.