Lifetime
Covers illnesses and injuries every year, as long as you keep renewing. The vet-fee limit resets annually, so long-term conditions stay covered.
Do I need pet insurance for my rabbit?
Rabbits may seem low-maintenance, but they’re still prone to accidents and sudden illnesses. Common emergencies include gut stasis, which can require urgent treatment costing £150–£600, and dental overgrowth, where repeated dental work or X-rays can quickly reach £200–£800. Injuries from falls or chewing hazards can also lead to unexpected bills.
Because rabbits hide illness well, problems often escalate fast. Conditions like respiratory infections, abscesses, or flystrike can involve hospitalisation or surgery, with costs ranging from £300 to more than £1,000 depending on severity.
This is where rabbit insurance becomes invaluable.
Pet insurance policies for rabbits typically include:
Vet fee cover, which helps with sudden emergencies like gut stasis or dental treatment.
Accident cover, useful if your rabbit injures itself jumping or chewing unsafe objects.
Illness cover, which supports treatment for chronic or recurring problems such as dental issues or respiratory disease.
With vet bills rising, insurance helps make sure your rabbit can get prompt, appropriate care without leaving you with large, unexpected costs. For many owners, the peace of mind alone makes it worth having.
What levels of cover can I get?
Three main types of pet insurance policies cover vet fees. Decide which policy best suits the needs of your furry friend. They start from the most expensive and comprehensive and then decrease with the lower type of cover you get.
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Per Condition
This policy offers you maximum benefit per condition. Once your maximum has been reached, you can no longer claim on that condition
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Time limited
Time limited pet insurance offers a fixed sum for each illness or injury your pet gets. Your pet will be covered for a limited term per condition (usually 12 months).
What's covered by rabbit insurance?
What is covered by rabbit insurance will depend on the type of policy you choose. You should always check your policy before you buy to make sure it covers what you need. A typical lifetime policy will cover the following:
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What's covered
Vet bills for illness or injury – Helps pay for treatment if your rabbit becomes sick or has an accident.
Boarding fees if you’re hospitalised – Covers the cost of someone caring for your rabbit if you cannot.
Lost or stolen rabbit cover – Contributes toward advertising, rewards or replacement costs if your rabbit goes missing.
Bonded-pair cover (where offered) – Some providers insure two bonded rabbits together, ensuring both are covered under one policy or at a reduced rate.
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What's not covered
Preventative treatments – Routine care such as vaccinations, flystrike prevention, nail trims or neutering is usually excluded.
Pre-existing conditions – Any illness or issue your rabbit had before the policy start date won’t be covered.
Very young rabbits – Most insurers won’t cover rabbits under 8 weeks old.
How much is pet insurance for a rabbit?
Factors affecting rabbit insurance costs include:
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Location
Vet fees vary by area, so where you live affects your premium.
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Provider
Prices differ between insurers, so it pays to compare.
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Level of cover
Higher cover or lifetime policies cost more than basic or time-limited plans.
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Rabbit’s age
Rabbits over 5 are generally harder and more expensive to insure.
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Medical history
Pre-existing conditions can increase your premium.
How can I make my rabbit insurance cheaper?
Shop around
Compare quotes from multiple providers to find the best policy for your rabbit.
Excess amount
The excess is the amount you pay each time you make a claim. Choosing a higher excess lowers your premium, but make sure you can afford it if you need to claim.
Pay annually
Paying your premium in one yearly lump sum is usually cheaper than paying monthly.
Multi-pet policy
If you have more than one rabbit, some insurers offer a multi-pet policy with a discount for each additional rabbit.
Insure young and healthy rabbits
Policies are cheaper for younger rabbits without pre-existing conditions.
Keep good vet records
Well-documented health history can support claims and may help avoid premium increases for recurring issues.
Is rabbit insurance different for indoor and outdoor rabbits?
Yes. Outdoor rabbits are usually more expensive to insure because they face higher risks, such as accidents, predators, theft, or weather-related illnesses.
Indoor rabbits are generally considered lower risk, so premiums are often slightly cheaper.
Most policies cover the same types of treatment (illnesses, accidents, vet fees), but insurers may require that outdoor rabbits are kept in a secure hutch to qualify for cover. Always check policy terms before buying.
Can you insure a bonded pair of rabbits?
Yes, you can insure a bonded pair of rabbits, but coverage and pricing depend on the insurer:
Single policy for both – Some providers allow you to cover two bonded rabbits under one policy, often with a discount for the second rabbit.
Separate policies – Other insurers may require each rabbit to have its own policy, which can be slightly more expensive.
Limits – Policies may cap the number of rabbits you can include and may have age restrictions for adding new pets.
Bonding importance – Covering a bonded pair ensures that if one rabbit needs treatment or an accident occurs, both are considered in policy terms, which can be important if they rely on each other for welfare.
Always check the insurer’s wording to confirm how they handle bonded pairs and multi-rabbit discounts.
How do rabbit insurance claims work?
There are three factors which determine how much you pay, when you can claim, and the maximum the insurer will cover. Check these carefully before choosing a policy.
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Excess
This is the amount you pay yourself each time you make a claim. Choosing a higher excess reduces your premium, but you must be able to cover it when you claim.
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Waiting period
Most policies have a 14–30 day waiting period before you can claim for new illnesses. Accidents are sometimes covered immediately, but most illnesses must wait until the period ends.
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Payout limits
Policies set maximum amounts they will pay, such as per-condition limits, annual limits, or lifetime limits. For example, a £5,000 per-condition limit means the insurer will pay up to £5,000 for treatment of a single illness or injury.
Our expert says…
It’s not just dogs or cats — rabbit insurance can really make sense, especially if you own a purebred or rare rabbit. Small vets bills and other ongoing costs add up. According to the RSPCA, typical lifetime ownership costs for a house rabbit can total around £11,000 over 10 years (not including unexpected vet treatment).
Because rabbits are prone to health problems such as dental disease, gut‑stasis, ear conditions and more, vet bills can quickly reach hundreds — or even thousands — of pounds.
So it’s worth viewing rabbit insurance as protection for your peace of mind — the cost of a policy may be small compared with what you’d spend if your pet fell ill or got injured.
Lucas Mansilla Life & Health Insurance Expert
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Is rabbit insurance worth it?
Yes — but it really depends on your rabbit and budget. Rabbits can develop sudden illnesses like gut stasis or dental problems, with vet bills often ranging from £150 to £600 per incident. Typical rabbit insurance premiums are around £5–£15 per month, meaning a small regular cost can protect you from unexpectedly high veterinary expenses.
For owners who want peace of mind and to avoid large bills, insurance usually makes sense. If your rabbit is young, healthy, and rarely at risk of injury, you might choose to self-insure instead.
Does rabbit insurance cover neutering?
No — neutering is usually excluded because it’s considered routine or elective care. However, having your rabbit neutered can sometimes lower your insurance premiums and improve long-term health.
Check your policy wording under sections like “preventive care” or “routine treatments” to see if any exceptions, discounts, or wellness add-ons apply.
Does rabbit insurance cover dental?
Partially. Most rabbit insurance policies don’t cover routine or preventive dental care. However, dental treatment needed due to an accident or injury (e.g., a broken tooth from a fall) is usually covered.
If your rabbit has ongoing dental problems or issues that existed before you take out the policy, these are often treated as pre-existing conditions and may not be covered. Always check your policy wording and confirm with the insurer.
What common health problems do rabbits have?
Rabbits are prone to several health issues, many of which can lead to significant vet bills:
Dental problems – Overgrown or misaligned teeth can require repeated vet visits, X-rays, or tooth trimming. Insurance can help cover these costs.
Digestive disorders – Conditions like gut stasis or diarrhoea often need urgent treatment, which can be expensive without cover.
Respiratory infections – Vet care for infections may involve medication and follow-ups, which insurance can help fund.
Injuries and accidents – Broken bones, bites, or falls can require surgery or intensive care, again covered under most policies.
While insurance helps with investigation and treatment costs, it doesn’t replace good husbandry. A proper diet, clean housing, regular check-ups, and preventive care are essential to keeping your rabbit healthy.
What are common exclusions in rabbit insurance policies?
Rabbit insurance policies often exclude certain costs. These usually fall into three main themes:
Pre-existing conditions – Any illness or injury your rabbit had before the policy started is typically not covered.
Routine or preventive care – Vaccinations, regular check-ups, dental maintenance, and parasite treatments are usually excluded.
Elective treatments – Non-essential procedures, such as neutering or cosmetic care, are generally not covered.
Always read the exclusions section carefully before buying and check any waiting periods for new policies to avoid surprises when you make a claim.
Can I get insurance for multiple rabbits?
Yes. Many insurers offer multi-pet or multi-rabbit policies, allowing you to cover more than one rabbit under a single policy.
Discounts – Premiums are often reduced per additional rabbit, either per pet or per policy, depending on the insurer.
Limits – Some policies cap the number of rabbits you can add (commonly 2–5 per policy).
Age restrictions – Older rabbits may be harder or more expensive to add, and some insurers won’t accept rabbits above a certain age.
Always check the policy wording to see how many rabbits are allowed and how premiums are calculated for multiple pets.
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Is pet insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy pet insurance through MoneySuperMarket.
This includes:
Up to £10, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
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Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is pet insurance eligible for Price Promise?
Yes, pet insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 11 Dec 2025 by
Accurate as of 12 December 2025.