Pet Guinea pigs are a popular exotic animal among pet owners. Pet Assure can assist you whether you have a new problem, such as bladder infections, or you need treatment for your Guinea Pig’s pre-existing conditions. We’re a veterinary discount plan that offers a low-cost pet insurance option for all types of animals, including Guinea Pigs! There are no age, breed, or hereditary conditions exclusions in this plan. Even pre-existing conditions are taken into account! Request a quote right now.
Can I insure a guinea pig?
Given the health concerns that cavies face as well as the potential cost of veterinary care, you’re undoubtedly wondering if you can purchase pet insurance for your guinea pig. Yes, there is insurance available for exotic pets, to put it simply. In fact, the RSPCA just partnered with ExoticDirect to offer new customers a 10% discount.
If you prefer to pick your own provider, look up’small animals insurance,’ ‘exotic pet insurance,’ or’small pet insurance’ on the internet. Checking comparison sites is also a good idea. You’ll be able to locate the greatest coverage for your pet’s needs at the best price in one spot.
However, we advise against basing your decision solely on pricing. Always study the fine print before making a decision, as policies vary greatly in terms of their terms and conditions, as well as the types of benefits and exclusions available. These factors can include your pet’s age, any previous health issues, and even the veterinarian you employ.
Last but not least, it’s a good idea to do some research about the insurance company. Ensure that the company you choose is regulated and authorised by the Financial Conduct Authority. You can also ask your friends for advice and look up the company’s internet reviews.
How much does insurance for guinea pigs cost?
Annually, between $50 and $200 You might want to consider insuring your young guinea pig for medical expenditures and paying a small monthly fee to assist cover their veterinary costs if they require care.
What animals does pet insurance cover?
If you own a dog, cat, or other pet, you undoubtedly go to the veterinarian on a regular basisand it can be costly, especially if an illness or emergency needs testing or surgery.
In the same way that human health insurance policies have annual premiums, deductibles, co-pays, and caps, pet health insurance policies do as well.
Dogs, cats, rabbits, ferrets, exotic birds, reptiles, potbelly pigs, and other rodents are all covered by pet health insurance.
The cost of coverage is usually determined by the animal’s age, health status, and the degree of care you want. In general, older animals are more expensive to insure, and some firms have age restrictions. Pre-existing conditions may also be excluded, and some insurers may refuse to cover certain breeds that are prone to inherited diseases (e.g. hip dysplasia).
- The most affordable choice is basic coverage. Basic coverage offers the lowest procedure reimbursements and will assist in the payment of accidental accidents, poisonings, and diseases (including cancer). These policies usually have an annual deductible, reimbursement caps per accident or illness, and reimbursement caps for the entire insurance term.
- Comprehensive coverage is more expensive than basic coverage, but it includes more benefits, including as reimbursements for accidental accidents, illnesses, and office visits, medications, diagnostic tests, X-rays, and lab expenses. These policies have lower yearly deductibles than basic coverage, but they also have a cap on reimbursements per accident and illness, as well as total reimbursements for the duration of the policy.
- Preventive care, such as physical checkups, flea and heartworm prevention, and immunizations, are covered by pet well care protection. While well-care is covered without a deductible, other medical services have a small fee.
You may come across veterinarian discount plans while looking for pet insurance, which are membership-based services rather than insurance policies. A veterinary discount plan entitles the member access discounted pricing on pet services, medical treatments, medications, and supplies from a select group of veterinarians who have agreed to join in the plan.
A discount may be handy in the event of a catastrophic and costly pet illness or injury, but you will almost certainly be out of pocket for considerably more than if your pet is insured. Veterinary discount arrangements, unlike pet insurance, are not governed by law.
How does exotic pet insurance work?
Exotic pet insurance is similar to conventional pet insurance in that it covers unexpected vet visits (for more information, see our experts’ 101 pet insurance guide) (subject to the insurance carrier and plan you choose). These plans may cover the loss of your exotic pet due to escape or theft, death, sickness, and injuries, among other things.
Exotic pets necessitate specialized care that not all veterinarians can provide. Your exotic pet may require a veterinarian with specific skills, which could result in higher vet visits and care costs. Exotic pet insurance gives you the assurance that if something bad occurs to your pet, you won’t be hit with a hefty vet expense at an already stressful moment. Because your pet is covered by exotic pet insurance, you can make difficult decisions without hesitation.
How expensive are guinea pigs monthly?
Guinea pigs might be significantly more expensive than you might expect. Although they’re little, their food isn’t cheap, and they’ll need bedding and hay on a regular basis, just like rabbits. You should expect to spend $40-$60 per month on bedding, hay, pellets, and fresh food. They’ll also require a daily Vitamin C supplement, which isn’t a major outlay but is something to keep in mind.
You can’t just get one since guinea pigs are sociable animals (a pair of guinea pigs of the same sex is the recommended set-up).
How much do guinea pigs cost a month?
Guinea pigs will cost roughly $200 to set up, with food, bedding, and vet fees adding up to around $40 per month.
These species make excellent pets because they are active and fun to watch. When properly cared for, they love gentle attention and can be affectionate.
They make great apartment pets and have even been reported to do well in emotional therapy, particularly with children.
A pair of Guinea Pigs may be ideal for you if you are a first-time pet owner trying to broaden your horizons or simply a small-pet enthusiast looking to expand your family.
How does pet insurance work?
Depending on the plan, there may be some variances, but most pet insurance operates in the same fundamental way:
You can file a claim online, through a phone app, or by email, fax, or mail.
When comparing plans, make sure to study up on what’s included and what isn’t so you don’t get caught off guard later. For example, not all insurance companies pay veterinarian exam fees, which are included in almost every veterinary bill. Some providers may have vaccination or other pet-care criteria that you must adhere to or your claims will be denied.
Calculating Reimbursements
The amount of your payments for accident and illness coverage is determined by several criteria, including your deductible, reimbursement percentage, and yearly coverage limit.
Deductible
Before you may receive paid, you must first meet a deductible. Some insurance companies offer a per-event deductible, which means you must pay that amount for each incident. Other providers offer a yearly deductible that you must meet only once a year, regardless of how often your pet is injured or sick.
You can choose from a $100, $250, or $500 annual deductible with the ASPCA Pet Health Insurance program. You can choose a greater deductible if you want to pay a lower monthly premium, or a smaller deductible if you want to get more money back.
Reimbursement Percentage
After you’ve met your deductible, this is the proportion of covered costs you’ll get back. You can choose between 70 percent, 80 percent, or 90 percent. You can pay a lesser monthly premium if you choose a lower amount. You’ll earn more money back on your claims if you choose a bigger sum.
Here’s an Example:
Let’s say you decide on a $100 annual deductible and a reimbursement rate of 90%:
- You must first meet your deductible before submitting a veterinary bill for $500 in covered fees.
Annual Coverage Limit
Over the course of a 12-month insurance period, this is the maximum amount you can be paid. When a new policy period begins, it resets. If you choose a $2,500 yearly limit and have $2,700 in covered veterinarian costs throughout your policy period, you will be reimbursed $2,500. You’d be eligible for a $200 reimbursement if you went over your $2,500 limit. We provide annual coverage limits ranging from $2,500 to infinite, so you can choose the amount that best suits your needs.
Preventive Care Reimbursements
There is no deductible or reimbursement percentage with our preventative care coverage. For a list of covered wellness services, such as annual visits, immunizations, and flea prevention, you are reimbursed a fixed sum. The cost is determined by the preventive care coverage plan you select at the time of enrollment.
Submitting Claims
When looking for pet insurance, you should think about how easy it is to file a claim. You may be able to file claims online, by email, fax, or mail, depending on the provider. We also have the My Pet Insurance App, which allows you to file claims directly from your phone before leaving the veterinary office. You may also do the following with this app:
- Keep track of your claims’ progress and see when they were received, in process, and finalized.
- If you’ve moved to a new address or changed your primary email address or phone number, update your contact information.
You can also save veterinary clinics to your favorites list for quicker claim filing. Simply use the app to find the veterinary facility and select Save to My Vets. You can simply upload the clinic’s details the next time you need to make a claim.
Tracking Claims
When comparing providers, another factor to consider is if and how they allow you to track the progress of your claims. After signing into your account or using the My Pet Insurance app, you can track your claims with the ASPCA Pet Health Insurance program. When we receive and process your claims, we’ll send you an email.
Receiving Payments
You should also figure out how you’ll get your money back. Is it necessary for you to wait for a cheque to arrive in the mail? Or do you have the option of having your money deposited directly into your bank account? Direct deposit is a more efficient and simple way to receive refunds. When you first enroll in a plan, you can choose direct deposit, or you can change your mind later by logging into your account online or through the My Pet Insurance app.
Preventive Care Claims
You might be wondering how to file claims for preventive care coverage to assist control the costs of normal wellness services like yearly check-ups, immunizations, and heartworm medication if you’re interested. Wellness claims are submitted in the same way as claims for accidents and illnesses with the ASPCA Pet Health Insurance program. Simply indicate that the claim is for preventive care and attach your invoice for the wellness services your pet received.
Enrolling Your Pet
You can begin by requesting a free estimate, which will outline the coverage options and costs for your pet. You can personalize your plan after receiving your initial quote by selecting your deductible, reimbursement percentage, and yearly limit. If you’re ready to enroll, you can do it online in a matter of minutes. Still undecided? We’ll save your quote so you can examine it whenever you like.
Can you insure exotic animals?
Exotic & Avian Pet Plan Only Nationwide can provide you with coverage for your bird, rabbit, reptile, or other exotic pet. This low-cost exotic pet insurance plan covers accidents, diseases, examinations, lab expenses, medicines, X-rays, and hospitalization, among other things.
Does pet insurance pay out on death?
When applicable, the “Death from Sickness or Injury” portion of pet insurance often covers the cost of your pet’s purchase or donation if it dies or has to be put to sleep by a veterinarian as a result of an illness or injury. Not all pet insurance plans cover Death from Illness or Injury, and pets beyond a particular age are frequently excluded.
If you have a pedigree certificate, you may be required to present it, as well as a receipt for the initial purchase or donation price paid for your pet. You may only be paid up to a specific amount or the cost of a similar pet depending on the breed, sex, and date of birth when you became the owner of your pet if you don’t have this proof.
Most plans only pay up to a certain sum for your pet, which can range from £500 to £2,000 depending on the plan, and this amount may be reduced if you can’t provide proof of purchase price.