Common vet call out / insurance claims

[lizstuguinness]

Im getting two yearlings next week and trying to decide if its worth insuring them. With insurance being £300 each, and if you do claim they write off the whole limb/section of the horse, im wondering if its worth it.


Ive had horses all my life and never insured as there has always been too many of them and its too expensive. As i had my own place the horses didnt get into trouble and i never had vets bills - the odd small one, but under £100.

Then i came down with an illness and my yard had to close, a few years ago i wanted to start again, so brought a young mare, insured her and had her at a yard where she promptly got into all dorts of trouble and should have really just moved into the vets!

It seems to me that if you have insurance you need it, if you dont insure then you dont thave vets bills!

My two yearlings will be living out with two older horses on 9 acres of safe well fenced private land.

What do you think is the most common ailment of youngsters or claim on insurance?

 

[Dolcé]

We have 14 and only 1 is insured, we simply find the money if we need it! We have had some fairly big bills and pay over a few months if need be. I have to be realistic though and know that if there was something that was going to be many thousands then we would perhaps have to make decisions we were not very comfortable with. We still call the vet when needed and don't worry about running a bill up, if they need treatment they get it. We also call out if we are in doubt about whether something is wrong or not rather than wait and see so don't skimp, they are the priority.

 

[irish_only]

We have 14 and only 1 is insured, we simply find the money if we need it! We have had some fairly big bills and pay over a few months if need be. I have to be realistic though and know that if there was something that was going to be many thousands then we would perhaps have to make decisions we were not very comfortable with. We still call the vet when needed and don't worry about running a bill up, if they need treatment they get it. We also call out if we are in doubt about whether something is wrong or not rather than wait and see so don't skimp, they are the priority.

This. With us it would always be the wrong one that was insured If we have had to cough up for a big one and not had the funds, we've stuck it onto the plastic and paid it off asap.

 

[galaxy]

NFU doesn't do blanket exclusions. When you claim they ask your vet if the horse had had a problem in that area before that could be effecting/causing what you are claiming for and if it doesn't they pay out!!!

Obv if your horse coliced it wouldn't be covered again I'd have thought....

It's a lot fairer!