Bit of Insurance Help Please

[TheresaW]

Last year, my horse was diagnosed with arthritis in both hocks and had cortisone injections into the joints. Since then, I have started using a different vet for personal reasons.

Anyway, last night when I got home, I had a letter from my insurance company about Mac's ongoing treatment and saying that vet's fees for this particular condition will only be paid until May. At the time of treatment, vet said he could need injections again, anywhere from 3-6 months. So far he has been fine, but if he needs them again, ideally I'd like them before the insurance runs out. Will this cause a problem now I am using a different vet? Also, will it be obvious when he needs them again?

 

[knightsbridge]

I would imagine your insurance company will just require you to provide a new report from the vets now handling your horse.

Im sure you will be able to tell if your horse deteriorates and requires another injection, however it is probably worth providing your new vet with a copy of the original vets report so that he knows whats going on.

 

[gummybear]

It shouldnt affect your insurance that you are with a new vet - its now different to moving yards and moving from your vets area. If you make a claim - your insurance with cover for the enxt year from the first date of the vets visit for that particular problem, so you should be fine.

 

[Luce1504]

Sorry to put a bit of a downer on things, but a friend of mine was having her cat treated for a serious virus and then transferred to a different vet because she didn't feel the vet was treating her cat correctly.

Her insurance then refused to pay out for any of the subsequent treatment done by the new vet as they classed it to be a new claim, and they would not pay out twice for the same condition. So she was left to foot a very expensive vet bill on her own.

So to be extra safe I would confirm with your insurance that they will pay for subsequent treatment with a new vet.