OldNag
Wasting my time successfully....
Shoot me down if I'm missing the point, but I didn't realise vet bills were considered to be the loanee's responsibility, other than annual vaccinations/ worming.
I thought the vets bills being the owner's responsibility were one of the few perks of loaning. I can't see why you'd want to pay vets bills for a horse you don't own and could be requested back at any time?
I've never loaned, only owned.
They are usually (in my experience as loaner and loanee) the loanee's responsibility.