VPI is the only pet insurance I am aware of that covers bunnies or other exotics. Laws and regulations vary from state to state- so you would have to contact the insurance company directly to get the best info- but I do know they do not cover spays or routine care (like nail trims) and they also do not cover pre-existing conditions or genetic conditions- like malocclusion- misaligned teeth that need to be trimmed or removed. But if it is not a genetic issue-- say the bunny got a tooth root abcess and it needed to be extracted- then that is not considered genetic. They also do not cover Critcal Care (for force feeding) as that is considered pet food.
I submitted a claim for Schroeder for $600 and was reimbursed $300.