Accidental injury only insurance?

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SusieT

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Has anyone got a horse insurance policy for accidental insurance only or with a low vets fee limit? Looking at ways to reduce horse premium as it doesn't need as much cover (not a veteran though) and thought there used a be an accidental injury option but I can't find any.
 
SEIS does a £1500 vets option so much lower than the normal £5k ones, don't know of any that do accident only except veterans though.
 
I think the veteran horse policy usually only covers external accidental injury, so it would pay out for a field injury but not for colic or tendon strain for example.

Don't know if any company do it for younger horses.
 
I've got one out on loan on an accidental/external only policy with KBIS.
Off top of my head I think it's 3K cover with about £150 excess. Premium around £18 a month. Ish!
 
ihatework said:
I've got one out on loan on an accidental/external only policy with KBIS.
Off top of my head I think it's 3K cover with about £150 excess. Premium around £18 a month. Ish!
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Where do they draw the line between external and internal injury, to my mind external is relatively minor cuts that probably require little more than a few stitches, antibiotics and can be managed at home fairly easily, it is a more serious injury that will require more extensive treatment but would that not usually be deep enough to involve internal structures so not be covered by insurance, there is not much else I can think of that would apply.
The last 2 "serious" injuries here certainly caused internal damage although were external in origin, 1 cost a fortune to fix he was insured, the other was pts after considering the best interests of the horse, neither would have been covered on an external only policy and every other minor injury has been exactly that, so minor that it would barely have been worth claiming for the treatment.

I think I would self insure rather than have such limited cover, I can see why ihw has hers insured as it is out on loan but for the OP unless the horse has numerous exclusions yet is still of a fairly high value so death is worth covering I don't see the point of reducing it to save money as it is internal stuff that usually runs up the bill.
 
be positive said:
Where do they draw the line between external and internal injury, to my mind external is relatively minor cuts that probably require little more than a few stitches, antibiotics and can be managed at home fairly easily, it is a more serious injury that will require more extensive treatment but would that not usually be deep enough to involve internal structures so not be covered by insurance, there is not much else I can think of that would apply.
The last 2 "serious" injuries here certainly caused internal damage although were external in origin, 1 cost a fortune to fix he was insured, the other was pts after considering the best interests of the horse, neither would have been covered on an external only policy and every other minor injury has been exactly that, so minor that it would barely have been worth claiming for the treatment.

I think I would self insure rather than have such limited cover, I can see why ihw has hers insured as it is out on loan but for the OP unless the horse has numerous exclusions yet is still of a fairly high value so death is worth covering I don't see the point of reducing it to save money as it is internal stuff that usually runs up the bill.
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You need to have some sort of open wound.
So things like a punctured sole, tendon strike, puncture wound to joint.
Fracture (providing there was an obvious bash/strike).

What it obviously doesn't cover is colics, lameness investigations, all sorts of internal conditions.

Not sure I'd insure if he was with me, he wouldnt get much money spent on him these days, it's more a safety net with him out on loan.
 
Accidental wouldnt cover anything thar can't be seen externally. So a broken bone wouldn't be covered unless it was actually through the skin, the same as tendons etc
 
meleeka said:
Accidental wouldnt cover anything thar can't be seen externally. So a broken bone wouldn't be covered unless it was actually through the skin, the same as tendons etc
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What the bone through the skin?
It would be covered if there was broken skin (say a kick) even if not deep enough to expose the bone
 
I always regarded external injury to mean caused by an immediate external force, such as a kick, fall, etc.

This being as opposed to a horse becoming ill through 'self combusting' for example heart condition, unspecified lameness, arthritis, colic etc.
 
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