"Accident only" Insurance - this normal?

[MagicMelon]

I posted on here a while ago about which insurance company to go with, Ive chosen NFU as they are cheapest and a lot of you recommended them. Had the 5 stage vetting done this week and just received the policy forms though. I covered for loss of use, loss of horse and vet fees, but it seems to say he's covered only for accidents for all these?? I thought I was paying for cover for any problem - ie. if he needed (expensive) life-saving help like colic surgery for instance (that isnt an "accident") etc.

Is this normal? Have I asked for the wrong type of insurance?!

 

[JACQSZOO]

Accident only insurance is usually an oldies policy - I would phone them up and ask them.

 

[ticobay831]

Ive just moved over to them and they have done the same with my policy, ive got to send them a vet report from my boys accident, so im hoping they will ammend itwhen they get all the information, if not i will be changing again

Debs x

 

[peanut]

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I thought I was paying for cover for any problem - ie. if he needed (expensive) life-saving help like colic surgery for instance (that isnt an "accident") etc.



[/ QUOTE ]

In my policy with SEIB I'm pretty sure this is termed as "vet fees".

Definitely give them a ring.

 

[Toby_Zaphod]

The best thing to do is phone them & talk to NFU about it, they will tell you everything. I've always found them very helpful.

 

[MagicMelon]

"Illness cover is excluded for the first 14 days or until a satisfactory vet certificate and proposal form is received."

Phew!! Thanks guys, this is what their reply email just said!