a problem with my horse out on loan

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Harriephebs

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Hi everyone
i need some advice. Back in spring i decided i needed to put my wb mare out on loan as due to work commitments i didn't have the time to ride her everyday like she needed. So beginning of June she went on loan. Baring in mind this mare has issues. Had a kissing spine op 2 years ago and wind sucks. Due to the kissing spine op she needs physio regually. So before she went i made sure she had treatment and was ready to go. She was unfit and fat as i had struggled to work her. So it came to the big day and she wouldnt load. I like to take my time and not rush them as she gets very stressy. Transport guy didnt have the same idea as me and tried to load her, she reared, he pulled down, she reared higher and fell backwards! i wasnt happy. I said she might need physio sooner now. Any way off she went to her loan home, seemed to be doing really well then about 2 months ago she came in with 4 swollen legs, due to too much protein in the grass according to the vet. Over the summer holidays the girl who loans her seems to have been away loads so i don't know how much she has done with her. I have found it difficult to contact her, shes not been corporative when i want to go and see her. She came back off another holiday last week and i spoke to her on fb and she said my horse was lame but the vet had sorted it. I got a text message yesterday saying basically she doesnt want her anymore because she is uneven in her legs and she could make her worse is she carries on riding so much. I had this mare in hard work, schooling everyday, xc, jumping, galloping out and she went lame once for tear arseing around her field. She's not had any tests and said she cant afford to have them done. I feel she hasnt given her long enough and because she hasnt been working her constantly her back might have got tight and she needs treatment. shes only had her for 12 weeks and i could end up with a broken pony. I dont mind having her back but my worry is if there is something wrong and i have her back and need to get test i wont be covered on a new policy? Oh there is no vet report as it was just a convo with the vet and the vet also said her legs are more like an 18 year olds legs not an 11 year old!!! what does that mean? she has clean legs in my eyes! Sorry for the length of this but im so worried!
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I have had a problem with my horse that was out on loan and he recieved an injury and i would suggest that you go and see your horse as soon as you can without even making an appointment and then see for yourself what state she is in etc
 
Do you, or the loaner, have the horse insured?

I'm sorry you're having problems but if you've been concerned for a while and the loaner was difficult to contact, why didn't you go and visit the mare to talk to loaner in person? In the first instance I would talk to the vet directly to find out what has been said. In the end, however, if the girl doesn't want her, she doesn't want her and there isn't anything you can do.

Do you have a loan contract to say who pays for vet treatment?
 
This isn't a dig at you, but I do not understand why people who loan horses do not go and see the horse on a regular (and irregular!) basis.

I appreciate that there can be times when one cannot visit, but photographs, email, texts, even FB - we have a myriad of ways to communicate.

I'm keen on putting LL out on loan, but I have told all and sundry that they will have me on a weekly basis, be that by phone/visit/email and if I can't get hold of them, I'll be round pronto. He's mine, he's my responsiblity - a loanee can enjoy and have fun with him, but at the end of the day, any major issues and they and he come back to me. If I can't manage that then I sell him so he is no longer my responsiblity, or send him to a charity(!), or have him pts. I will also keep the insurance going. Hubby said he doesn't want LL loaned because he knows that LL could come back to us - he knows what my stance is.

If I were in your position with one of my horses, I'd have him back. The loanee appears to be unwilling to continue or to manage the horse's particular requirements.
 
She's had her for 12 weeks its not like its been months. To begin with we had regular contact texts/ fb etc but over the summer with her being away ive not heard anything. its like shes decided she doesnt want the hassel over the winter.
i said im happy to have her back but i want to know whats caused my sound horse to now be broken. She has the insurance this is how i have alwaysed work. i've loaned 2 and have 3 oout on loan and never had a problem.
Ive not really been concerned before i know this girl and was happy she had her but she is an hour and a half away. I have tried to visit but it never suits her and im not the type of person to just turn up.
I will have her back without a doubt theres nothing i can do to make her want her but i am worried about the insurance issue. i will have no problem putting her back out on loan as i had over 50 calls about her and still people are ringing but i just cant get my head round her now being broken if it is as bad as it sounds. Hopefully it is related to her back and physio will sort it. will just have to see i guess
 
I have to say I dont think i'd put a horse out on loan that needed regular attention (be that physio, vet) without being clear from the outset that I (i.e. the owner) was taking control and responsibility for vet issues, and to be honest I can't imagine why the average loanee would loan an average horse with a history of back problems without wanting it made clear that they weren't responsible for vet treatment. I know it's not clear if the legs and back are linked, but not sure this makes a difference to the principle. You also say that you've loaned out other horses and this was the arrangement re insurance - but did these horses have the same potential back issues?

If she were mine i'd have stipulated who the physio being used was, and i'd have phoned up to book the regular appointments, and either gone along to see the horse when physio was there, or at least rang them afterwards to see how they thought she was doing.
 
ive been through this with a loan horse.

said horse was insured in loaners name but suddenly got returned to then next day way lame.. cue tendon injury.

i had abit of a legal battle, but managed to get my name on the insurance and keep it running.

if i can help in anyway please feel free to drop me a pm.
 
I dont understand people who loan there horse out and cancel their horse insurance and lets the loanee take on the insurance.

What happens if the horse had to be pts who would get the insurance money not the owner that's for sure.

But i would go and see her asap
 
For those of you who are interested all is well, she was lame with a foot abcess and the vet made a comment with how she was stood resting her foot. This vet thinks she is uneven on her back end. When i spoke to the loanee she is very upset about this as the vet has told her she wont do the work needed. This horse show jumps and is very talented at it, even post op! anyway we are going to get a second opinion and have physio treatment in the mean time. she doesnt want to give her up and i dont mind having her back.
All my horses have physio treatment she doesnt have any extra than them. I also stated she needs this treatment in the ad plus i know this girl and my physio is local to her and will treat my horse.
One thing i havent told you guys is i loaned this horse first and when my job got more pressured i decided to give her up but got told they didnt want her back and i had to loan her out in the end they gave her to me, i love this horse and just want the best for her. If anyone has had a horse with kissings spine they will know how successful the op can be and horses have know to go on and do very well (eventing is one example)she is an example of this
 
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