What Are The Best Hamster Insurance?

Do you have an hamster and want to know if having pet insurance is worth it?

The simple answer is: yes, taking out an hamster insurance is always a good idea. You will have peace of mind, as the main expenses will be taken care of.

In this guide, we’ll detail all the different types of hamster insurance, the average cost of taking out an hamster insurance and and we’ll also give you an indicative quote to find the best pet insurance for your hamster.

What type of hamster insurance is best for you?

When taking out an hamster insurance, there are usually one type of insurance offered, usually it is a 12 month insurance.

How much is hamster insurance?

It depends on which coverage you choose. You can pay more or less depending on the coverage you choose. Other factors must be considered:

• Your hamster’s age, The older your hamster is, the more expensive it will be to insure your hamster.
• Where you live in the UK. Vet fees are not the same all over the UK.

The average cost of hamster insurance in UK is about £10 and £15 per month..

What does hamster insurance cover?

Not all insurers offer the same features, so check before insuring your hamster. Here is a little table that shows what is usually covered by an hamster insurance:

	Included or not	Details
Vet fees	Included in all type of policies	You can ask money back for vet fees if your hamster received medical treatment
Advertising and rewards	Often included in Lifetime cover Often not included in basics insurance	You can claim the money back for the cost of your reward and your advertising spend
Death by illness or accident	Often not included in basics insurance Sometimes covered by Lifetime.	You can claim if your hamster died because of an accident or because of an illness
Boarding fees	Often not included in basics insurance	Covers the cost of boarding your hamster if you have an emergency
Overseas travel cover	Often not included in basics insurance	Your hamster is covered in another country
Third party liability cover	Included in basics insurance	Covers legal liability if your hamster causes damage or injury. For cats, there is no such thing. The owner is not held responsible for damages caused, as cats are considered “free spirits” in the UK.

What is the best pet insurance for hamster?

Exotic pet insurance proposes hamster insurance, here are the main features:

Insurers	Vet fees	Excess	Extra	Monthly premium
Exotic Direct	Up to £2,000 per policy	£65	Accident, sickness or disease, up to £2,000	£15,42

What is not included in your hamster insurance?

Often, these kind of features are not included in your hamster insurance:

Not included	Details
Treatment for preexisting conditions	Most insurers won’t cover your hamster's existing conditions.
Routine medical treatment	Your hamster insurance won’t cover your routine medical treatment such as vaccinations, for example.
Behaviour treatment	This kind of feature is often not provided for hamster insurance.
International cost	Some insurers won’t offer to cover your hamster abroad.
Dental treatment	Often excluded from hamster insurance.
hamster age	Sometimes your hamster will not be covered if your pet is considered too old.