Like any animal, hamsters will unfortunately fall ill from time to time. In case they need so see a vet, you may prefer to have some form of insurance rather than having to pay for an expensive treatment that you hadn’t planned for.
Sometimes hamsters will develop health problems and need to see a vet
How much the insurance is, and even if it’s available, will depend on where you live in the world. Depending on which plan you go for, there will be a different excess cost - an excess is how much you will need to pay if you make a claim. This amount will not be refunded by the insurance company. For example, if your pet requires a treatment that costs £50 and you have a £25 excess, then you will pay £25 of the £50 cost.
Another idea is that you can save for any potential vet bills yourself. By putting aside some money every week, you can prepare yourself for any potential health problems.