If I had a cat or dog I would, but with guinea pigs and rabbits it is not worth the price of paying insurance. If they were ill enough to need an expensive operation chances are the vets would recommend putting them down rather as they would be unlikely to survive the operation/anaesthetic.
Yes I have RSPCA insurance for both dogs
So far they have paid on 2 small claims no problem
Just about to put in a claim for $333. For blood tests for one dog who was just diagnosed with pancreatitis ...this could be interesting.
You really have to do your homework when comparing policies . I found petplan which most of the vets promote in their surgeries to be one of the worst with cover for your animal declining as they age which is ridiculous. You pay premiums for many yrs and then when you need it most you get the least back from them. When I googled RSPCA pet insurance review ...there wer lots of horror stories.....which is not surprising as these insurance companies are not set up because they are concerned about the health and welfare of our animals they are just a money making business and will avoid paying out at any opportunity. If you are a sensible saver the best thing you could do is put away 30 to 50 dollars a week away in a bank account....I am not a good saver.