Check your insurance!

[SNORKEY]

Hi, my horse was kicked badly on tuesday which has resulted in two vets visits so far, pain killers, and another visit to come with xrays for which hopefully is not a fractured leg!
I called my insurance company KBIS and found out my excess is £275! which is way more than I thought and even the vet said that's high, also found out that he is'nt covered for livery costs if he has to go to hospital, I suppose I cant really blame KBIS it was upto me to check the small print, but im annoyed about the livery costs as i did ask for full cover and max vets bill cover.
So if you were like me and just paid for your insurance, have a good look now at the small print, I much rather would of payed a few quid more a month to get what I consider full vets cover and a lower excess!

 

[MrsMozart]

Ouch. Poor you and poor ned

As I understand it, a lot of insurance companies don't cover the costs of livery in horsepital. Some vets will put it down as hospital: I can't remember what they called it, but it meant that the bill to me was lower than it would have been.

 

[BigRed]

I always thought things like the XS were negotiable when you took the insurance out. NFU do not pay livery costs at horspital either.

 

[Rana]

[ QUOTE ]
I always thought things like the XS were negotiable when you took the insurance out. NFU do not pay livery costs at horspital either.

[/ QUOTE ]

Interesting, they paid half of my mares livery costs when she was operated on... That was 5 years ago though

 

[nobbster]

there are some that do, but also some insures have a percentage xs which is ridiculous because it reli takes a lot of your claiming amount im with petplan and the have flat rate xs and pay half of livery and nursing cost.

 

[christine48]

NFU last year paid half livery at vet hospital, nursing care plus transport for us

 

[tasteofchristmaschaos]

I'm with Amtrust Equine and you can take out optional extra cover for hospitalisation fees. Needless to say I have done that!

 

[tasel]

[ QUOTE ]
I always thought things like the XS were negotiable when you took the insurance out. NFU do not pay livery costs at horspital either.

[/ QUOTE ]

I think they do pay 50% of the stay at the hospital (livery).... can't remember exactly, but I do think so! This was last year. Transport also got fully refunded.

 

[chestnut cob]

You have to opt into hospitalisation fees usually. I've been with Equestrian Direct for years and now Amtrust; with both companies I had to opt to have hospitalisation. I also had the option of two excesses - one is £250 and one is £120 but chosing the lower one means my premium is higher. FWIW, I opted for both the lower excess and hospitalisation fees.

If you look in the policy, it tells you that hospitalisation /livery costs are not covered.

Hope horsey is on the mend soon

 

[tedster]

I hope your horse gets well soon.

With any insurance read the small print and your Ts & Cs if theres something your not sure about call them, make sure your completey happy with cover before you go ahead.

 

[marinitagsd]

I'm with Amtrust and covered for horse-hospital costs.
x

 

[cariadssogreat]

From what I remember my vets put 1/2 the livery fee down as nursing fees - which was paid by the insurer. Then the other half was paid by me.

 

[WishfulThinker]

EEk!! I would have assumed that if a horse had treatment and had to stay at the horsepital that the stay would be included in the price of the treatment..........not extra.

Thank god I know different now!