are your horses insured?

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basilbrush2009

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Must admit my horse is not currently insured...

what about yours? and your opinions on insuring our equines?

I compete at low level local shows and hack and school nothing too major but if landed with a hefty bill would struggle to pay so should really be looking into insuring i guess!

BTW i am very bored at work and mostly likely about to go on a posting frenzy for all my little questions :D
 
Rio is insured as being a stallion if something goes wrong (he gets out or something) its likely to very wrong :o also because he's worth a lot more than any other horse i have owned...

Taz is public liability only... nothing on him is insurable now so there isnt much point in spending loads of money on insurance when in reality very little is insured as he has so many exclutions :o
 
Yes both insured. One full vets fees etc, old fogie only insured for external injuries etc.
I just wouldn't dare not insuring. It costs me £40/month, and luckily (touch wood!) I've never had to use it, but I couldn't find the money for a £2k vets bill at the drop of a hat.
 
No. But if I could not find the money for surgery then they would be. You have to think hard about if you would put your horse to sleep because you could not afford to save them (and if you would make that decision quick enough that they would not suffer). I had to pay out £4000 for colic surgery for my horse.
 
Yep, both of mine are:

Connie - only covered for injury due to her age, but based on the fact she's just had a suspected hairline fracture to her pelvis I'd have a hefty bill on my hands

Mickey - has full cover, and as he's currently on GastroGuard for ulcers, and again, would have a huge bill to look forward to!

I never thought i'd have 2 insurance policies being claimed on at the same time, but thank god they are both insured!
 
Yes!

If my horse escaped and kicked a child in the head, leading to a fatality, I could find myself being sued for millions!! Worse case scenario, but what if? And it's not impossible that he could land on someone's bonnet while out hacking. I also have cover for vets bills. Costs a fortune, but actually it works out at one pound something a day which is worth it for the peace of mind.
 
Mine is for the next 3 weeks then no point insuring as all four legs, feet, skin ( had sarcoid treatment ) will be excluded and insurance premiums have gone up 50%. Need to get 3rd party though, may look into seeing if I can cover for accident / injury. He's worthless in value.
 
No, none are insured or the dogs (5 horses, 1 donkey and 3 dogs). I just have to be prepared to shell out occasionally.
I had an insurance company pay out once for a supensory ligament scan, only to be informed at the renewal that that particular leg was no longer insured; as they'd paid out and there was now a history. According to them, neither was the other front leg insured due to the extra workload it had to do during the rehab period. I promptly cancelled the policy and haven't insured since. That particular horse made a complete recovery and went on to gold series endurance.
 
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It's not about the activities you do with her IMHO, it's about what happens if she gets sick or injured (which is just as likely to happen out in the field as when working).

Yes, my horse is insured. I paid something like £2,500 in insurance fees over the time I had my last horse but they paid out around £14,000 in vet bills during that time so it was well worth it.

If I knew I could afford to pay those sorts of vet fees myself then I wouldn't bother with the cover but I can't, so I do. I don't have 3rd party with my horse insurer though, I've got BHS Gold membership (from when I had 2 horses as it was cheaper than liability on both policies) which covers it. The BHS membership actually gives a much higher lever of cover too. £10m as opposed to the £1m offered by Amtrust, who I have my horse policy with. Even Amtrust admitted to me on the phone that the BHS cover is much better value!
 
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Most definitely insured, vets bills, public liability, tack, and lose of use. Thank god I had vets bills as last year I claimed on it for £3,500!
 
Not since the start of this year only public liability through my BHS membership. I do however pay what I would of each month into my savings. My friends horse is also uninsured but that is basically due to the fact that due to various problems over the years only a select few body parts were left covered!:D
 
After paying for an uninsured horse to have colic surgery, and him still dying at the end of it, yes, I have all my horses insured. I would say I am definitely better off financially for it, especially in the last five years. Before that, I had ten years with only one large vet bill, so sometimes it can work out, but would never risk not being insured for vet bills again.

On the other hand, we have stopped insuring our four dogs as their combined insurance was more expensive than the two horses. Several weeks after dropping the insurance though, one of the bitches developed a breast lump and had to have surgery. The cost was £600. :( But we are so far 'winning'on the insurance gamble.
 
Yes. Having a horse who has had 8 insurance claims and more than £15,000 in vet treatment in the past 2 1/2 years I wouldn't dare be without!!
 
Not any more, I have to admit that I gave up insuring my horses a few years ago, I have 7 ranging from my 38 year old first pony to my little girls pony to event horses I compete at grassroots level. Back then when I changed my mind my total premiums were around £3,500 per year.

When I thought it all through I decided that the most important elements of the insurance were third party as potentially could bankrupt you if you needed it, and vets fees for the horses welfare. I looked at the value of the horses as irrelevant because the price paid was money spent long ago and they all have homes for life with me. The former risk is covered via society memberships. The latter is unlikely to be covered for most of my horses due to their age, and numerous exclusions often seem to throw claims out anyway. "Touch wood" since I decided to do away with my insurance my vets fees have been far lower than premiums would have been, and I never hold back on any treatment suggested because I don't want to personally meet the cost.

Over the years I have made claims for stolen tack and vet fees, almost all of which were not settled, so I ended up paying premiums and the cost I had been trying to insure against.
 
Yes - all three are insured with Scottish Equestrian


All are insured for public liability, vets fees up to £4000 per incident and death/theft/straying.

My older one (shes 16) is also insured for alterntive therapies and non veterinary costs
 
Mine are all insured for 5k vet's fees and third party etc but not LOU. In 9 years of owning my mare, I have only claimed once and that is this year for a tendon injury which needed surgery. I am nearly at my 5k limit after 6 months of treatment but so glad to be insured. SEIB have been amazing and as soon as I send them bill then they pay vets direct!
 
No never insure. my horses have a job and if the vet bill was greater than what they were worth to me then i would put to sleep.
 
Yes, Insured but not for LOU as its very rare they pay out for it.

I am really glad after the astonishing vet fee's dee has racked up recently that shes insured!!! Everyone around me thought it was odd that i didnt insure for LOU, but upon speaking w/ the vet & insurance company regarding dee, they wouldnt have taken her as a LOU case anyway :).
 
i always insure for public liability even with the oldies, but did get vets fees for my current horse as i quite like him and think i will have him for a long time and i think TB's are always likely to create big vet bills!
 
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