A loaning question. Advice please.

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moodymare1987

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Basically say someone has a horse on full loan, who is expected to pay vets bills.
Horse I have on loan has gone lame, first time round got vet out, contacted owner to say he was lame she said get the vet. She paid for that.

Turned out to be an abcess, anyway horse was funny with his back feet since, so had to get vet to sedate and pay for farrier. I let her know and I paid for farrier and the vet.

Anyway he is still not sound so who is meant to pay. I am not begrudging paying for him or anything. I have been told by a few people that I shouldnt have to pay. Just want to know what you guys think?
 
When our pony was on loan the loanee was responsible for all vet bills. They also were responsible for keeping her insured, which was as well as she fractured her tibia whilst with them, so they only had to pay the excess.
 
Someone on my yard has a horse on Full Loan, the owner pays for insurance but for minor things she has to pay vets bills. Owner also said she'd happily take horse back while it was lame (she has fields so no livery required) providing loanee pais for transport there and then back when she was sound.
 
I am about to take one on full loan and am fully prepared to pay all vets bills and insurance whilst it is in my care (this is actually written in the BHS sample loan agreement).

However if the horse in question becomes long term lame e.g. 6 months plus and couldnt be ridden then I would be looking to the owner to have the horse back. Again the loan agreement states whether the horse is to be used as a riding horse or whatever. Its very business like but I guess that keeps it clear. I think if something happens to the horse which could have been caused by me keeping it even it hurt itself in the field looning around then I would probably take responsibility for it but if it turned out to be a weakness in horse e.g. kissing spine, navicular, OCD or something that is a long term problem then I would be discussing the options with the owner and looking for some recompense for paying for keep / vets bill or return it. It always seems a bit harsh for the loaner and the loanee gets quite a good deal.... i.e. not having to deal with a horse that cant be ridden.
 
I just want to get across that I am not trying to get out of paying for the horse or anything, just would like to know your opinions. Nothing was said about vets fees. and no contract was written/signed etc.

Thanks for your replies, very helpful.
 
I think you should put it down in writing who is responsible for what can keep it simple perhaps you will keep him for accidental injuries but should he have something that is deemed a pre existing condition then she should have him back.

Found this out to our detriment our loan horse went lame not long after having him, owner wanted box rest only even though I was happy to pay vets fees, I paid for xrays which showed changes that may or may not have related to his swollen pastern but owner felt he should stay on boy rest and did not want further investigations. After 7 weeks box rest he went home to his owner as there had been no improvement and she did not feel necessary to investigate. Fortunately ours ended amicably and we are still in touch but it could have all ended horribly.
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