Do I tell my insurance company? (also in NL)

little_critter

little_critter

Well-Known Member
Joined
20 June 2009
Messages
7,379
Location
Somerset
Visit site
A few horses on the yard have been diagnosed with liver poisining. Today the vet is coming out to test whoever wants testing to see if it's a more widespread thing. My horse doesn't appear unwell but is being tested just in case. Do I need tell my insurance company? - or do I wait for the results and take it from there?
 
How much is it going to cost? Now that you've posted on the internet be aware that your insurance company might well do a background search on forums if you ever make a claim on your horse that they decide to investigate.
 
I'm only anticipating it costing approx £30 so wouldn't want to claim for the cost but I'm aware that insurance companies can get funny if you don't tell them as soon as something comes to light.
Had the other cases not been mentioned I would not be getting the test done as my horse seems fine but I want to be certain.
 
In that case I probably wouldn't tell them now but would disclose it if you have to have any treatment on the liver at a later date. Thats only a gut instinct through, you vet should be able to tell you what to do as they are so used to dealing with insurance.
 
If your vet tests your horse, it will be on your horse's veterinary records. if you make a claim, most insurance companies ask for a print out of the horses' full vet history from your vet (at least NFU do). So whatever treatments/tests/drugs your horse has ever had, will be revealed to the insurance company.

I don't understand why you would want to withhold this info - I mean, if your horse is ill, you will want to claim ?
 
It's not that I want to withhold the information. I'm a new owner with a very easy to 'do' horse who had never needed to call the vet before (except to do annual jabs / teeth) so I don't know what the procedure is.
It's not my vet doing the testing - the person who first raised the issue is using their vet and the vet said they'd test any horse on the yard if we wanted it doing so I haven't spoken to the vet - just added my horse to the list of ones to be tested.
I'll let me insurance company know.
 
BigRed said:
If your vet tests your horse, it will be on your horse's veterinary records. if you make a claim, most insurance companies ask for a print out of the horses' full vet history from your vet (at least NFU do). So whatever treatments/tests/drugs your horse has ever had, will be revealed to the insurance company.

I don't understand why you would want to withhold this info - I mean, if your horse is ill, you will want to claim ?
Click to expand...

I think OP was meaning more about does one have to tell insurance company everytime a vet is called for something? I would say not. Clearly if horse tests fine with no liver problem then the cost is far less than the excess so you can't claim anyway.
As you said in the event of a claim the insurance ask for veterinary records for the horse anyway that is to cover 12 mnth rule
 
little_critter said:
A few horses on the yard have been diagnosed with liver poisining. Today the vet is coming out to test whoever wants testing to see if it's a more widespread thing. My horse doesn't appear unwell but is being tested just in case. Do I need tell my insurance company? - or do I wait for the results and take it from there?
Click to expand...

Wait for the results. There is no point telling them before hand as you won't want to claim for the testing as it will presumably cost a lot less than the cost of your excess (mine is £130).

If you tell them that others have been tested and then you find your horse is free of this problem and then years down the line he has a liver related problem they may say that as the horses on your yard were tested previously this is a longstanding problem and try and wheedle their way out of paying a claim.

That's my view anyway.
 
wellsat said:
How much is it going to cost? Now that you've posted on the internet be aware that your insurance company might well do a background search on forums if you ever make a claim on your horse that they decide to investigate.
Click to expand...

I thought about that too but as there is no photo of the OP they won't be able to check on this. But I would advise the OP to remove the details they have put on their profile about themselves just in case!
 
I can't imagine there would be a problem with testing if it's not based on any clinical signs. After all, we don't notify the insurance company every time we send a dung sample for testing for worm burden. it just means you're being a responsible horse owner.
 
Question answered....my horse came back positive for liver damage. I will be speaking to my vets (and insurance co) tomorrow to find out where I go from here.
Any advice or experiences gratefully received.
Ironically my horse was more full of beans than usual tonight - you wouldn't know there was a problem!
 
You must log in or register to reply here.
Top