Rodent Insurance

Prialys Assurance > Insurance for Individuals > Pet Insurance > Exotic Pet Insurance (NAC) > Rodent Insurance

Rodent insurance — Not every rodent can be insured in France. Only the guinea pig and the chinchilla appear in the exotic pet ranges, with reimbursement of up to 85 % and an annual limit of 400 €. The hamster, the rat, the mouse, the gerbil and the degu are not eligible : no French insurer covers them. Prialys, an independent broker, tells you plainly where your rodent stands.

  • Freedom of choice: Prialys, independent broker, freely compares market offers for your pet.
  • Savings: benefit from negotiated rates through our broker status and privileged partnerships.
  • Custom coverage: reimbursement rate, annual limit and excess matched to your guinea pig or chinchilla.
  • Support: a dedicated contact for subscription, management and claims.

Rodent Insurance coverage options

SpeciesEligibleRateAnnual limitAge at subscription
Guinea pigYesUp to 85 %400 €3 months to 3 years
ChinchillaYesUp to 85 %400 €3 months to 2 years
Rabbit (for comparison)YesUp to 85 %800 €3 months to 3 years
HamsterNo———
Rat, mouseNo———
GerbilNo———
DeguNo———

Common to the eligible species : annual excess of 50 €, no prevention allowance, waiting periods that differ between accident and illness.

Frequent reasons for consultation : pododermatitis, dental disease and malocclusion, ovarian cysts in guinea pigs, respiratory infections, skin tumours, vitamin C deficiency in guinea pigs, fur chewing in chinchillas.

Figures recorded in August 2026 from the French insurers distributing an exotic pet range. They are given for information only and are not a contractual commitment : only the general terms and conditions of the policy apply.

How does rodent insurance work?

1. Species – Eligible or not

2. Age – Subscription window checked

3. Quote – Rate, limit, excess

4. Subscription – Electronic signature

5. Claim – Reimbursement from the vet invoice

  • Eligibility check: we tell you straight away whether your species can be insured at all.
  • Personalised quote: complete our online form in 2 minutes to receive offers matched to your rodent.
  • Comparison: rate, annual limit, excess and waiting periods compared item by item.
  • Quick subscription: electronic signature, certificate, then reimbursement on presentation of the vet invoice.

Questions? Call us today!

09 52 92 25 30

Brochures

Need detailed information on our pet and exotic pet insurance solutions ? The Prialys team, an independent broker, is available to review your situation and your current policies with you.

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What documents to subscribe to your rodent insurance?

  • Proof of identity and contact details of the policyholder.
  • Species, date of birth and, where available, identification of the animal.
  • Purchase or adoption invoice.
  • Health record or veterinary certificate of good health where requested.
  • Claims history statement from your previous insurer, if applicable.

Frequently asked questions about rodent insurance

ItemDetails
IllnessConsultations, tests, imaging, medication, up to 85 % within the 400 € annual limit.
AccidentWounds, fractures, falls, emergency care.
Surgery and hospitalisationAnaesthesia, procedure, stay and post-operative care.
Dental careMalocclusion and dental abscesses, a very common problem in guinea pigs and chinchillas.
Exotic pet consultationsFees of a vet taking exotic pets, charged at specialist rates.
ItemDetails
Ineligible speciesHamster, rat, mouse, gerbil, degu: no policy exists, all costs stay with you.
Annual excess50 € per year, deducted before any reimbursement.
The uncovered shareThe 15 % of the invoice left outside the 85 % reimbursement rate.
Above the limitAnything beyond 400 € of reimbursement in the same insurance year.
PreventionNo prevention allowance for these species: routine care is at your expense.
Pre-existing conditionsAny illness known or declared before subscription.
Food and housingDiet, vitamin C supplements, bedding and cages are never reimbursed.

Documents for your rodent insurance

Can any rodent be insured in France?

No. Only the guinea pig and the chinchilla appear in the exotic pet ranges. The hamster, the rat, the mouse, the gerbil and the degu are not covered by any French insurer.

How much is reimbursed for a guinea pig or a chinchilla?

Up to 85 % of the veterinary fees actually incurred, within an annual limit of 400 €, after deduction of a 50 € annual excess.

Up to what age can cover be taken out?

From 3 months to 3 years for a guinea pig, and from 3 months to 2 years for a chinchilla. After that no new policy is accepted.

Is there a prevention allowance?

No. Unlike the rabbit, the ferret and the parrot, these two species come without a prevention allowance : routine care stays at your expense.

Why is the hamster excluded?

Mainly because of its very short life expectancy and the low average value of care, which leaves insurers without a workable actuarial basis.

What is excluded?

Pre-existing conditions, care during the waiting period, husbandry-related problems regarded as avoidable, food, bedding and cages. The general terms and conditions list the exclusions in full.

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Talk to our broker

Adresse email : contact@prialys.fr
Téléphone : 09 52 92 25 30
Address: Miniparc 3 478, Rue de la Découverte CES 67624, 31670 Labège

    FAQ – Rodent Insurance

    Which rodents can be insured?

    Only the guinea pig and the chinchilla, at 85 % reimbursement with a 400 € annual limit and a 50 € excess. The limit is half that of the rabbit, which reflects the lower average cost of care rather than a weaker level of cover.

    And if my rodent is not eligible?

    For a hamster, a rat, a mouse, a gerbil or a degu, no veterinary fee policy exists. The realistic answer is a small dedicated savings fund, plus knowing in advance which local practice takes exotic pets. Damage caused by the animal to a third party remains covered by the personal liability section of your home policy.

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