Does anybody not insure their horses and what do you do instead

[pinklilly]

Mines not insured as he's basically totally uninsurable! I have 3rd party cover now that's all. But given the horses many issues I wouldn't for example put him through a colic op anyway as an example.

 

[dalidaydream]

You need to change vets

After 12 years as a vet nurse I only met one vet, a vile man, who would treat according to what he deemed his client's financial status to be when they walked through the door! I didn't last 8 weeks at his practice!

It is against RCVS Guide to Professional Conduct to charge more for insured clients, it may not be a criminal offence but they can be struck off and left with no livelihood.

Medical treatment for any species is expensive... Us humans are lucky we have the NHS...

If you don't agree to extensive invasive treatment of your critter then tell the vet so! Most will applaud you and be more than happy to assist you with your furry one's passing in a peaceful manner

If they refuse or get awkward then call the RCVS - difficult I know.

'Bad' vets are few and far between, my heart goes out to anyone who has encountered the rare 'Bad 'Un' in a time of need x

I don't think vets charge more for insured horses but it's very hard to find one that won't throw every imaginable treatment at them before the insurance money runs out. It's very hard for them to advise resting the horse (even though that's normally the best policy) because the clock is ticking on your insurance as soon as you call the vet in.

 

[Nudibranch]

Stopped insuring my two last year. No claims, one is a 2 yo who's obviously not working, premiums went up anyway. I now put £50 a month into an ISA so after a couple of years I will have a good pot and in the meantime I could cover a bill if necessary. I have BHS gold membership for 3rd party.

Just need willpower not to break into the savings for that new saddle!