ponyparty
Well-Known Member
Having had several claims in the last 2 years, my insurance premiums are now pretty high. Kissing Spines, laminitis and osteoarthritis (whole body) are now excluded. Cushings would be covered, but laminitis resulting from it would not be.
Horse is nearly 17; I've pulled his shoes and sent him off to barefoot rehab track livery for 6-12 months and hope he'll be capable of a ridden career after that. If he doesn't come sound enough to ride I'll retire him. I wouldn't put him through colic (or any other extensive/invasive) surgery. I won't put him through extensive periods of box rest, he really doesn't cope - so no longer than a few days or a week absolute maximum. So if he did a tendon or similar... it would be either heal in the field (or on the track) or PTS I'm afraid.
So, my options are, I could:
- go onto a veteran policy with my current provider - insuring him for injury/theft only, up to £3k per claim, plus loss of horse up to £500.
- carry on with existing policy and exclusions - so colic or any other illnesses/diseases covered, £5k per claim, loss of horse.
- move to a different cheaper provider - wary of them not paying out though! NFU have been so brilliant to deal with throughout.
- get just a catastrophe policy from KBIS or such like - though I wouldn't do colic surgery anyway, so it would just be accidental injury, joint flushing, and pastern/pedal bone fractures. Better off with veteran cover?!
- something else?
I don't have a massive pot of money to keep throwing at him - but then I wouldn't do some of the very expensive vet treatments anyway. Just trying to work out the most sensible option really. Any advice gladly received
Horse is nearly 17; I've pulled his shoes and sent him off to barefoot rehab track livery for 6-12 months and hope he'll be capable of a ridden career after that. If he doesn't come sound enough to ride I'll retire him. I wouldn't put him through colic (or any other extensive/invasive) surgery. I won't put him through extensive periods of box rest, he really doesn't cope - so no longer than a few days or a week absolute maximum. So if he did a tendon or similar... it would be either heal in the field (or on the track) or PTS I'm afraid.
So, my options are, I could:
- go onto a veteran policy with my current provider - insuring him for injury/theft only, up to £3k per claim, plus loss of horse up to £500.
- carry on with existing policy and exclusions - so colic or any other illnesses/diseases covered, £5k per claim, loss of horse.
- move to a different cheaper provider - wary of them not paying out though! NFU have been so brilliant to deal with throughout.
- get just a catastrophe policy from KBIS or such like - though I wouldn't do colic surgery anyway, so it would just be accidental injury, joint flushing, and pastern/pedal bone fractures. Better off with veteran cover?!
- something else?
I don't have a massive pot of money to keep throwing at him - but then I wouldn't do some of the very expensive vet treatments anyway. Just trying to work out the most sensible option really. Any advice gladly received