You’re in the UK I assume?
I use Help U Cover, and they’ve always paid out with absolutely no quibbles. The buns started off at about £10 each a month, and in the second year have gone up to around £13/14 each. I’m waiting to see what the bunny who I’ve never claimed for’s increase will be like… I would hope less.
As far as I’m aware, there’s only 3 companies that insure rabbits in the UK – PetPlan, exotics direct (I think?) and Help U cover. When I was researching, Help U cover was the cheapest and most comprehensive.
The other thing to be aware of is pre existing conditions. If you swap plans, and have already claimed for something like GI stasis or an ear infection then it counts as a pre-existing condition and you won’t be allowed to claim for it ever again. Which is why companies can put up prices I guess, they know you don’t really have many options.
I spend £40 a month roughly (I have 3) on insurance, and while it’s not cheap, it means that a vet emergency is never stressful for money reasons at least. I personally think it’s worthwhile for the peace of mind. I have had a £1200 bill paid, and felt confident telling the vet to do everything they could withoutworrying that it would bankrupt me.