onemoretime
Well-Known Member
Can I please ask how much is it to insure with WHW?
Do you insure your horses?
- Thread starter Horsegirl25
- Start date
suestowford
Well-Known Member
You get 3rd party insurance as part of the membership fee, which I think is about £60. It's the same sort of arrangement as you would get with the BHS too.
Sossigpoker
Well-Known Member
For liability, yes, for vet fees no. Only because they excluded pretty much everything but his hair 
SpotsandBays
Well-Known Member
I’ve got the accident/external injury with Harry Hall for mine (includes liability).
lynz88
🐴💈💃
Just public liability for me. Horse is EPM and arthritic so those alone would mean basically everything is excluded.
Sussexbythesea
Well-Known Member
Yes including vets fees and I’ve definitely benefited from it but premiums and exclusions are making it harder and harder to pay for. My youngster had colic surgery around 6 months after I bought him and he’s also had gastric ulcer treatment. I wouldn’t have been able to pay for that if uninsured without severely compromising my finances. Of course now both are excluded.
As a comparison I’m paying off my uninsured cats vets fees plus excesses on the horse insurance (both happened around the same time) using an interest free credit card over 2yrs at £225 per month. I didn’t even do anything that major with the cat it was just blood tests and X-rays plus medications and he didn’t make it. It was some kind of neurological issue.
As a comparison I’m paying off my uninsured cats vets fees plus excesses on the horse insurance (both happened around the same time) using an interest free credit card over 2yrs at £225 per month. I didn’t even do anything that major with the cat it was just blood tests and X-rays plus medications and he didn’t make it. It was some kind of neurological issue.
anglo
Well-Known Member
Mine is insured for public liability and external injuries as hes a veteran . Be aware that insurers will want to know about all of the vet history and may put exclusions in place from the outset for lots of things if you decide to insure .
AShetlandBitMeOnce
Well-Known Member
I think my Agria insurance is the perfect middle ground, it's only £25 per month so really neither here nor there, and for that I get £3k cover - it's not huge, but it's something and will help immeasurably against the surgery Dex had yesterday, albeit it won't cover all of the final bill. They also don't put exclusions on as its lifetime insurance, so that stifle will be covered in future years also.
Plonkertonk
Member
I only have 3rd party via BHS.
When I insured my mare years ago (had to have a vetting 1st) they excluded her hind legs due to having windgalls! I continued for a couple of years, but as we were doing hunter trials/hunting and stuff, it was really expensive.
After I found out the true extent of what a horse goes through when it undergoes colic surgery, I made the decision that I would not put a horse of mine through that (and the insurance wouldn't have covered the full cost of surgery and aftercare anyway!) and cancelled the policy.
I now have a savings pot, a credit card and assets I would sell if needed but that would depend on the issue.
However, I am very lucky in that I keep mine at home on the farm, so turning away/retirement at minimal cost for a multitude of issues is a very viable option.
When I insured my mare years ago (had to have a vetting 1st) they excluded her hind legs due to having windgalls! I continued for a couple of years, but as we were doing hunter trials/hunting and stuff, it was really expensive.
After I found out the true extent of what a horse goes through when it undergoes colic surgery, I made the decision that I would not put a horse of mine through that (and the insurance wouldn't have covered the full cost of surgery and aftercare anyway!) and cancelled the policy.
I now have a savings pot, a credit card and assets I would sell if needed but that would depend on the issue.
However, I am very lucky in that I keep mine at home on the farm, so turning away/retirement at minimal cost for a multitude of issues is a very viable option.
Horsegirl25
Well-Known Member
Do they only exclude something that has been investigated and shown an issue?
My horse has had a few lameness assessments/scans/x-rays all showing nothing (apart from sidebone in front feet), would they exclude all areas scanned/x-rayed even tho they were clear? Sorry this is all completely new to me!
Widgeon
Well-Known Member
I'm sure you've been asked this before so apologies for asking you to re-hash, but do you have a link or any more details regarding their policies? I will have a Google later today.
My 16yr old cob has exclusions for arthritis, metabolism, respiratory and a bunch of other things so I'm really considering other options now. I can (and of course DO, because they're all excluded!) fund his ongoing maintenance myself, but I'd like to have some insurance should he have a catastrophic or life threatening event. His is "only" £70 a month, and the insurers have always been great, but it's not good value any more if nothing's covered......
HopOnTrot
Well-Known Member
I do. No claims for a decade and then a claim for kissing spines, then a claim for hock spavins and then what I thought would be a simple claim for ulcers turned into a huge lengthy treatment for a nodule in her stomach that was stopping it from emptying, probably £6-7k worth of treatment.
I’ll make a call when it renews this summer as she’s now 22 and I suspect digestive system, hocks, back and possibly laminitis (she has EMS and now takes Invokana) will be excluded.
I’ll make a call when it renews this summer as she’s now 22 and I suspect digestive system, hocks, back and possibly laminitis (she has EMS and now takes Invokana) will be excluded.
9tails
Well-Known Member
I insured for the first few years, but then the price rocketed (KBIS) and I stopped. By that point I realised that my horse wasn't accident prone, she was in a stable herd environment, I hadn't claimed for anything and the only vet visits I'd had were the yearly jabs. She now has 3rd party through Harry Hall Gold, was BHS but their price went up quite alarmingly. Horse is now 25 and age related ailments are creeping in but I'm a lot of quids in over the last 12 or so years.
exracehorse
Well-Known Member
Your always wish you were insured when the horse becomes poorly. I always insured. Had big claims with NFU. Who were excellent. Cancelled a few years back as the premiums were so high. And put that money to one side that would have been coming out of my account. Woody then racked up a big 3.5k bill last summer as needed an operation. Then this year another 1k. And I’ve had to substantially top up the amount I put to one side.
AShetlandBitMeOnce
Well-Known Member
Not a problem, as below:
Details | Agria Pet Insurance
quote.agriapet.co.uk
They will exclude things if they are preexisting before the policy, which is why taking it out when he was a rising 3yo was good for me as he won't have anything now not covered. For £25 per month he is covered for the below activities, up to £3000 cover per annum with an excess payable per annum (not per claim) of £420 + 25% of the total claim value. It's not a huge amount of cover, but for your everyday issue it's a big help and for anything serious like colic surgery I have access to a significant credit card balance and/or can liquidate assets, so it works for me.
Should you want £6.5k or £10k cover, the amounts are as below:
rextherobber
Well-Known Member
All insured third party, only the ones that compete/are younger are fully insured
Widgeon
Well-Known Member
Thank you - I had a look at this earlier this morning and I think it would suit me better than the policy he's on at the moment, which only gives me £4K of cover with a £500 excess. If I put him on £6.5K cover with Agria, with a £420 excess plus 25% co-pay, it works out at £35 per month, and is a better policy for what I want. I wouldn't be doing extensive investigations unless he was actively uncomfortable - we're in more of a "three months in the field and see how it goes" sort of position. But I do need some cover for crises to limit my liability!Not a problem, as below:
Details | Agria Pet Insurance
They will exclude things if they are preexisting before the policy, which is why taking it out when he was a rising 3yo was good for me as he won't have anything now not covered. For £25 per month he is covered for the below activities, up to £3000 cover per annum with an excess payable per annum (not per claim) of £420 + 25% of the total claim value. It's not a huge amount of cover, but for your everyday issue it's a big help and for anything serious like colic surgery I have access to a significant credit card balance and/or can liquidate assets, so it works for me.
I need to phone my existing insurers to move my trailer to the baby horse's policy (which I will keep with them for now) and then I should be able to move the older boy. Nothing is ever simple is it.....but I think this should be better for me.
So very useful! Thank you!
Dopeydapple
Well-Known Member
Another one with just public liability through world horse welfare, both her and the dog have a credit card each with 10k limit if we need it, she's retired and doesn't leave the field so hopefully less chance of anything happening.
kerrieberry2
Well-Known Member
I did until my horse was 13 and then he had so many exclusions that it was viable to insure him anymore, so I save the £100 a month in a separate account and make sure I have a zero % interest credit card available! but I will say I do miss being able to just get the vet to do a full work up whenever something wasn't right! I've treated my horse for ulcers this year and that took £850 out of my pot of money. but even if he was insured he wouldn't have been covered because he had ulcers 5 years ago.
SO1
Well-Known Member
No my pony has recently been scoped and also had hind hooves xrayed. Both were clear. If the diagnostics don't show a problem then there is no exclusion. I checked with NFU on Friday. If he develops a problem with his hinds hooves in future or gets a ulcer he is still covered.
The problem is that we are looking for a cause of behaviour issues on the presumption that behaviour issues are always linked to pain. If you go down the poor performance route the diagnostics that show nothing is wrong are not covered by insurance until you find something. The next step is bone scan which is 2k if that shows nothing then insurance won't pay for it. However he has had a blood test that shows raised liver enzymes so treating for that to see if it is cause of behaviour issues.
SO1
Well-Known Member
I wish I had gone down this route as my premiums are 125 per month with NFU. My excess is 450 due to loosing Homey and having nearly 10k vet bills in the last year of his life including pay out for loss of horse and PTS I am deemed to be a high risk horse owner.