05/26/2024
Pet insurance is a great way to help with unexpected bills. It’s not just for dogs and cats anymore!
Rabbit lovers! Let's talk about pet insurance.
As many of you know, Nationwide is the only provider that will cover rabbits. We wanted to tell you about our experience with Nationwide so far in case it helps you.
On May 1st, we noticed Leia in what we thought was an episode of GI stasis and took her to our vet. They took xrays and noticed what appeared to be an enlarged liver. Fearing liver lobe torsion, they recommended we rush to UC Davis.
We did. They did an ultrasound and noticed a large cyst near her liver and bile ducts and recommended emergency exploratory surgery, which we agreed. A 10cm in diameter cyst was removed, Leia recovered well, and it is non-cancerous (it is a rare issue called biliary cystadenoma)!!
As you might imagine, this was not inexpensive. Here were our bills:
Our vet: $839.25
UC Davis: $4525.55
Total: $5364.80
We have Nationwide Whole Pet with Wellness insurance and Leia's premium is $63/month. It was a little cheaper when we had more bunnies enrolled ($25/month per rabbit). The policy will reimburse 90% after you meet a deductible ($100).
We submitted the claims on May 18th. On May 21st, we recieved notice that we would receive the following reimbursements:
$4073.00 for UC Davis
$750.15 for our vet
Total: $4823.15
The money was transferred to my bank account on May 22 (you can opt for direct deposit).
So, in the end, Nationwide reimbursed us 90% of Leia's bills quite quickly.
If you were wondering if insurance is worth it, we can say - from our experience - that it is, especially for rabbits who can rack up high nills very quickly. Even if we had put the $63/month into savings instead of insurance, it would have taken 85 months (7 years!) to save $5300.
Let us know if you have any questions about our experience.
(And we are happy to report that General Leia Organa is doing quite well after her ordeal and that Ben Solo is happy to have her home)