Claiming for physio on insurance

[ECORTEN]

So, our 12.2hh has developed a sore back - he's has changed changed shape and has some muscle wastage so it's from his saddle.

I am obviously going to get him some physio. I have great insurance cover and have thought about claiming for it. Has anyone else done this and do you need a vet's recommendation first?

TIA

 

[be positive]

You definitely need a vet to recommend physio, no physio should treat without consent from a vet and I don't expect insurance to pay for physio unless the injury has been properly diagnosed before treatment starts, in fact if you get physio underway without consent from the vet and the physio refers back to the vet for further diagnostics you may find your insurance is void so be extremely careful how you proceed.

In answer to the main part of your question yes insurance did pay for physio as part of the recommended treatment plan following an injury, physio worked alongside vet doing some checks together to see how the horse was progressing.

 

[twiggy2]

This

 

[rextherobber]

And consider the future, the insurance company will probably exclude the back, so weigh up whether it's actually worth claiming now..unless horse needs sedation for the therapy, it's not that expensive..if you claimed now for a poorly fitting saddle and the horse went on to have KS in the future, though I appreciate that's a bit "what if "!

 

[be positive]

And consider the future, the insurance company will probably exclude the back, so weigh up whether it's actually worth claiming now..unless horse needs sedation for the therapy, it's not that expensive..if you claimed now for a poorly fitting saddle and the horse went on to have KS in the future, though I appreciate that's a bit "what if "!

It will have to be declared whether you claim or not because the vet must consent to treatment, as I have already said if something worse shows up in the future the insurance may not pay out and if you are not careful they may not pay for anything that could be related.
If it was just a routine physio part of your regular health checks and the vet is aware that these are done regularly it will not effect your insurance but with an injury it does require the vet to be involved, many will be happy to authorise a physio by a phone referral but trying to go under the radar can backfire not only on the horse owner but it is also the physio risking their career by bending the rules.

 

[Pinkvboots]

You need to speak to your vet first if there is nothing else causing the back pain chances are he will only need a few visits from the physio, your access will probably work out more money than paying for the few treatments plus it will go on your records and they may try to exclude things next year, I have only claimed for physio when it's needed due to another problem that caused the need for some physio, like my horse went lame in front and due to over compensating other parts of his body I was advised to use a physio my horse had about 8 visits all paid for insurance under the claim that was existing for the lameness.

 

[rextherobber]

It will have to be declared whether you claim or not because the vet must consent to treatment, as I have already said if something worse shows up in the future the insurance may not pay out and if you are not careful they may not pay for anything that could be related.
If it was just a routine physio part of your regular health checks and the vet is aware that these are done regularly it will not effect your insurance but with an injury it does require the vet to be involved, many will be happy to authorise a physio by a phone referral but trying to go under the radar can backfire not only on the horse owner but it is also the physio risking their career by bending the rules.

Crikey -I didn't mean to imply doing anything illegal, I naively assumed unless you'd actually claimed on a leg,for example,it would be covered...must confess I don't think I've ever properly read my horse's policy, and (touch wood!) I've not had to claim either..you live and learn!