do all insurers require vetting certificate

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kylee86

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hi applied to pet plan to insure my 10 month colt. they said they needed vet certificate, so when vet came to do 2nd vaccination today i asked her, she said they could do another visit to do check and it would cost 142.00 plus 40.00 visit charge. i thought this was outragous. and just havnt got cash at min for the health check as just had vaccinations done spent fortune on lice treatment and worm treatment and having him gelded in few weeks. just woundered if this is the same with all insurers
 
KBIS (who I'm with) don't require one but it does bump up your premium not to have one. Not sure where you'd stand with claiming having had no vet cert done though? I'd be interested if anyone could tell me tho.

P.s I do have a vet cert for my boy :D
 
i would get vet certificate adventualy once covered cost for everything else just wanted him to be covered incase of anything in the meantime. i have the cash for gelding him so im thinking use that to get certificate then geld after when he is insured.
 
It depends on value.
You should be able to insure for a nominal amount with some companies without a certificate.
 
May be to do with value....

Can't remember about petplan, but KBIS insisted on a vet cert of my girl valued at £3500, NFU insured her with no problem. I'd call around.
 
sandi_84 said:
KBIS (who I'm with) don't require one but it does bump up your premium not to have one. Not sure where you'd stand with claiming having had no vet cert done though? I'd be interested if anyone could tell me tho.

P.s I do have a vet cert for my boy :D
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all mine insured with KBIS...2 weanlings had large claims and they never quibbled nor did the require certs....I cannot reccomend them highly enough. PS they probably require cert over 5k
 
My horses are both insured for a nominal amount and I wasn't asked to provide vet certs for either. Admittedly I have had both for quite some time and so could supply history and previous insurers details (changed away from NFU when prices went up) but I doubt you would have to have a vet cert if you kept the value low. You could also then increase it at a later date after backing etc because that's a legitimate increase in value. The other thing to bear in mind is that no matter how much 'value' you insure him for, should something happen to him you would be expected to justfy that value through adverts before they would pay out anything, so always worth checking value before you insure.
 
well his value was based on what i paid for him which was £350 he is 9months old cob x tb parents arnt showers or anything like that so doesnt have high breeding lines. has anybody herd or used stoneways insurance. with him being so young i only realy need vet fees for now they have quoted 3000 vet fee per incedent with 125 excess, 23.00 x 11 payments. my colt is not on livery yard he lives at home with our other horse. hes not realy doing anything other than being brushed getting used to being handled and playing in his field. does this sound the right insurance plan for him. i haave never had to insure as other horse is to old so new to this lol
 
I got Dooney insured just before xmas for vet fees only. (I'm covered for Public Liability through BHS membership). I put his value at £300. I'm covered up to £5000 vet fees with £135 excess. I didn't have to get him vetted. Costs £12 per month.

I'm lucky I got him insured because last week he became poorly with PLE. His drugs alone would cost me £120 a week and that's before we start adding up all the tests and callouts he has had.
 
scrunchie said:
I got Dooney insured just before xmas for vet fees only. (I'm covered for Public Liability through BHS membership). I put his value at £300. I'm covered up to £5000 vet fees with £135 excess. I didn't have to get him vetted. Costs £12 per month.

I'm lucky I got him insured because last week he became poorly with PLE. His drugs alone would cost me £120 a week and that's before we start adding up all the tests and callouts he has had.
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who are you insured with id like to find a quote see how much theres is for him
 
I got Petplan insurance about 3 yrs ago. if I wanted to insure the horse for a value of £5000 or more, then they wanted a vet certificate, but under that value they did not.
 
:confused:

I had no probs at all. I just did it all online and didn't need a vet certificate.

Nope. Vet sent the claim off and they seem happy. I just filled in the sections about Dooney and signed it and left the vet to do the rest.

ETA - but I have only covered him for vet fees and nothing else. Not even for disposal or theft etc.
 
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ok just reading bottom of petplan quote says certifacate needed for any horse aged 30days to 1yr or any horse valued at 5000.00 so hes only 9months that why there asking for certificate
 
This is good to know. I have just been on the petplan site looking for a quote for one of our boys before I came on here, got the card through the door so thought i would have a look. (It was the free jacket that got my attention though :D ) I am the same as OP not got the funds atm for vet cert.

I think the only reason I was asked to provide a vet cert is I included disposal and loss of use. But I will go back and just cover vet fees. Pony had vet a few months ago and it was nearly 100 for 10 mins and some antibiotics! It wasnt even an emergency.
 
Sherbie said:
This is good to know. I have just been on the petplan site looking for a quote for one of our boys before I came on here, got the card through the door so thought i would have a look. (It was the free jacket that got my attention though :D ) I am the same as OP not got the funds atm for vet cert.

I think the only reason I was asked to provide a vet cert is I included disposal and loss of use. But I will go back and just cover vet fees. Pony had vet a few months ago and it was nearly 100 for 10 mins and some antibiotics! It wasnt even an emergency.
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i found a couple not needing certificate. once i no i have him covered for vet fees i can consutrate getting him his certificate. i didnt think i would be spending so much so soon on youngster lol he has cost me a fortune, my non horsey husband is going nuts saying all the money going on that horse. my answer so what. he was a mess when i first got him now he is in good health its time to insure him lol
 
yep, Im the same, non horsey OH dosent understand why the horse bills are more cat/dog :rolleyes: Its defo something I will do in the very near future but need to get some basic insurance just now. New big horsey came in with a big cut (think it was a bite) tonight but one of the liveries was a vet nurse so sorted him out. Turns out it was not as bad as it looks atall but still a worry when things go wrong. Then came in to find the petplan card had came through post, must have been a sign lol. I would without hesitation get a vet and pay the bills ( and hide them from OH ;)) but I did always think that a vet cert was needed from all insurers.
 
Last year I asked NFU this question and it was No if the horse was under a certain value(it was quite high..cant remember figure) I was looking at £2.5-3k and didnt need one.

But an expensive horse would have.
 
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