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.
Table of Contents
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||You can ask money back for vet fees if your hamster received medical treatment|
|Advertising and rewards||You can claim the money back for the cost of your reward and your advertising spend|
|Death by illness or accident||You can claim if your hamster died because of an accident or because of an illness|
|Boarding fees||Covers the cost of boarding your hamster if you have an emergency|
|Overseas travel cover||Your hamster is covered in another country|
|Third party liability cover||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|
What is not included in your hamster insurance?
Often, these kind of features are not included in your hamster insurance:
|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.|