You get better protection if you use your credit card. The key difference is that when you claim on a credit card under Section 75 of the Consumer Credit Act, the credit card company is legally liable.
A pet rat can live between 2-4 years maybe longer it just depends on how well you look after it.
Answer: Surprisingly long! This is a very popular question, and of course the answer is different depending on the breed. On average a pet rabbit can live from anywhere between 5 to 12 years and sometimes more with the right care and diet. Below, I have attempted to generalize the answer to give you a rough guideline.