I'd love to get mine insured as it would make me worry a lot less.
I looked into Exotics Direct and I was so confused about all their rules etc. My rabbits are both insured with Agria and somehow that seems a lot more simple?
Exotics Direct only allowed me to put 3 guinea pigs onto the quote (I have 6) and I wasn't really sure which ones to pick. I think it also said that even though you pay monthly for each guinea pig, they will only pay out £2000 a year for all of them combined? I don't know if I misunderstood that, maybe someone that has multiple piggies insured could clarify for me?
It did seem like if one of my pigs had, for example, a £1,500 vet bill that I claimed for, I would only have £500 left that I could claim for any other pigs?
They also wouldn't cover certain conditions and they had something about appropriate housing in the policy documents as well. I'm not sure what they consider appropriate housing (I follow the guides on this forum + other guinea pig groups) so in my opinion my housing is great, but would they say otherwise?
I might be overthinking it, haha
So far I've paid bills as they came up, sometimes with a credit card...