Of course, you don’t want your pet hedgehog to get sick, but it’s best to be prepared in case it does.
Pet insurance is necessary for any pet as vet bills are through the roof, especially for exotic pets, like hedgehogs.
There so many pet-insurance companies to choose from, each offering different services and rates, that it can be hard to choose the right one for you.
Today’s article is about hedgehog pet insurance. You’ll learn:
- What is pet insurance?
- Why you need pet insurance for your hedgehog
- What pet insurance companies offer hedgehog insurance?
- How to choose the right insurance company for your pet.
What Is Pet Insurance?
Pet insurance is similar to human health insurance. It covers the costs of the veterinarian and your hedgehog’s treatment if your hedgehog gets sick.
In general, pet insurance companies cover the costs of treatment of illnesses and accidents, and also vaccinations, routine examinations, lab tests, x-rays, and prescriptions.
Some policies will pay you if your pet gets lost, stolen or dies.
Like health insurance, policies have annual deductibles.
Not all insurance companies offer the same services. Some companies only cover certain vets or certain illnesses. Be sure to check the company’s policies before committing to make sure it fits your pet’s needs.
Why You Need Pet Insurance for Your Hedgehog
Hedgehog visits to animal clinics and hospitals can break the bank. One man in the UK was fined $113 for a two-minute after-hours call asking for help with a hedgehog.
Animals can get sick at any time, not just when they are old. Pet insurance can help you when you’re in a tight space and your hedgehog needs urgent care.
It’s important to be prepared for anything that can happen.
However, if you are living comfortably and have extra money that you’ll need for visits to the vet, then you might not see a need for pet insurance.
Whether or not to get insurance for your pet is your decision. If you decide that insurance is not for you, be sure you have some money tucked away for emergencies.
What Pet Insurance Companies Offer Hedgehog Insurance?
Hedgehogs are exotic pets, which means not all pet insurance companies cover them.
Here are some companies that do cover hedgehogs and some of their features.
Nationwide Pet Insurance
Nationwide covers all vets, so you don’t have to worry about finding a new vet for your hedgehog.
Their pricing depends on your hedgehog’s age, gender, health, and other factors and also on what’s covered. You can get a quote for your hedgehog by calling them and discussing your pet’s needs.
Exotic Direct (UK)
ExoticDirect offer pet insurance for pygmy hedgehogs as well as a wide range of exotic pets.
These include parrots, tortoises, reptiles, and small pets like ferrets and guinea pigs. They even insure alpacas!
They’re based in the UK, and have been insuring exotic pets since 1996.This means they have lots of experience and knowledge when it comes to insuring your pet.
Please note: ExoticDirect can only sell insurance to customers who live in the United Kingdom of Great Britain and Northern Ireland including the Channel Islands and the Isle of Man.
Pet Assure Discount Plan
If you are not up for traditional insurance, why not try a discount plan?
Pet Assure is a discount plan that covers every medical condition and all vets.
For your hedgehog, you can choose the annual plan which is $6.58/month or the monthly plan for $9.95/month.
If you have multiple pets in your house, you can get a family or unlimited package.
To use Pet Assure, you show your Pet Assure discount card to any network vet and they will reduce your bill by 25%.
Pet Assure is easy to enroll in, and as soon as you enroll, you will get an email with a temporary card. So, you can start using Pet Assure immediately.
To find a vet near you, you can use their search tool.
Care Credit is a service that gives you a credit card to pay your veterinary bills.
The card is usable for routine examinations, vaccinations, spaying, rehabilitation, parasites, and surgeries to mention a few.
The pricing depends on your interest rate and balance. They have a no-interest grace period of 6, 12, 18 or 24 months.
However, if you carry a balance after the grace period, you’ll have to pay a 26% interest rate.
How to Choose the Right Insurance Company for Your Pet?
We always try to offer our pets the best we can. The same goes for pet insurance. You want to make sure you are choosing the right company to insure your hedgehog’s health.
Yet, there are so many options it’s hard to know whether you are making the right decision.
When you are choosing a pet insurance company, ask the following questions:
- Are the prices right for you?
- What does the insurance cover?
- Does this company allow any veterinarian or only certain ones?
- Do they cover after-hours emergency clinic visits and specialists?
- If the company only covers certain vets, will I be able to reach the vet quickly in an emergency?
- Does this company fit your hedgehog’s needs?
- What are the deductibles?
- What’s the maximum amount they’ll pay in one year?
What are your thoughts about pet insurance for hedgehogs? Is your hedgehog insured? Tell us in the comments below.