Does anyone NOT insure their horse?

No none of mine are insured. Only have public liability which comes with the insurance for our buildings. There are so many limitations and "hidden" exclusions written into policies these days that often its difficult to determine just what one would get for ones money!
 
I don't have equine insurance, my horses are insured on the farm insurance together with other stock, it covers Public Liability, Lightning strike, accidental electrocution, theft, fire and (my favourite) mysterious disappearance :D.
I wouldn't go for colic surgery, all other treatments would be considered on merits, I have enough credit card scope to do that.
 
shes only insured for vets fees.

however, if anythin gmajor came up - like a broken leg (or something that she wouldnt go back to how she is) she wouldnt be put through it anyhow.

but for colic... thats why i have insurance... things that are repairable and i dont have 5k in the bank sitting about for that !
 
Youngster is - veterans are not as there are too many exclusions.

I'm glad that I did insure the youngester though - as he has cost about £1500 in vet bills so far this year.
 
Righty-ho.

I have joined BHS as a Gold member- £57.

I have cancelled insurance.....I have a 'spare' savings account that doesnt have a card- less likely to spend it lol! So I am going to put the money away every month. I also have a 'horse account' that I put money into every month for yard rent, hay, feed , farrier etc- quite often there is money left over so I have decided that every month whatever is left will be put into the 'emergency vet bill account' too.

I actually now feel that I am free to make decisions about my horses without having to worry about what the insurance company will say.

Phew.
 
I have PAI and Liability insurance through World Horse Welfare for £52 a year and if I needed a vet I'd worry about where to get the money afterwards. My horse will not suffer because I'd sell my house if need be but I will not pay out the £30 a month the insurance people wanted for a policy that has a stupidly high excess.
 
You can guarantee, the day I stopped or reduced my premiums something will happen.

Like last year, to bring my premiums down I took off my rider insurance and blow me, within two weeks I had broken my collar bone. Several nights in hospital, an operation and seven months recovery. Am still in my overdraft now :(
 
Fleur isn't insured. She would be PTS if we had an accident because she's too old to be put through surgery, and I have no assets whatsoever so no point getting public liability insurance either. I have a small pot of money in case of PTS.
 
My dog is insured on a whole of life policy - no exclusions! :D
If I could find horse insurance which was the same I would insure them, but as I would only have them insured for colic/lami and then if I claimed it would be excluded I don't see the point! I have BHS gold membership and will also get P/L through an RC membership, for anything else I have a savings account, plus my vet will let me pay off in installments (at least I assume so as when I rang up to pay my vaccs bill they asked how much I wanted to pay!).
 
I insure my mare for 3rd party liability and theft/sudden death only.
She is on loan to me and her owner is more than happy for her to be 3rd party only. I was going to insure for vets fees as i have done with all my horses before...but she is excluded for her right hind etc and sods law says that will be the leg she would get injured on so wouldnt be covered anyway!. So i will just put money back to keep it in a "just in case" account.
 
I was only thinking about this yesterday as my mare was admitted to RVC to have a bone scan today as we arent sure what is wrong with her and she is getting "dangerous" to ride. However vet suggested this after I said I was insured... tbh if she wasnt insured I think I would have had her PTS by now but seeing as its there we are going this route to see what is wrong if anything and hopefully so we can get some answers. Fingers crossed i get a phone call soon with the results as its been a very long day so far...

Having spoken with hubby and now seeing this post I dare say any future policies just arent going to happen and I'm going to go down the BHS Gold route with account set aside for the "vet money" as already my insurance company are asking for all sorts on information regarding my mare even tho they have insured her since the day i borught her (8years ago!!)
 
Yep, my two oldies will never leave the farm again for anything and therefore are not insured. They are both over 30.

However my riding horse is from a rescue centre and it was a requirement to have third party insurance to have her on loan.
 
None of my horses is insured simply because, outside of the UK, you can't insure for vet fees, just death and LOU!

However if I could insure for vet fees I would, it would save me SO much money :(
 
Mine is & always will be insured.

I would hate for something to go wrong & for me to not be able to afford to make the best decision for her.

If I had a financial safety net somewhere, it might be different, but I don't :o
 
Pharaoh is not insured either. His eye condition and the fact that he was a rig mean that most things are excluded. If he was to have a serious injury or illness that ment he would need a long period on box rest (and maybe time in hospital) he would be put down as his eye would flare up anyway meaning more time off and all i would have at the end is one very large vet bill and one seriously unhappy horse. I love him so much and would do anything to keep him going but I know he would not be happy at the end of it (and several very very good vets have agreed). However mum is a bhs gold member so he is insured for public liability!
 
Mine are not insured.

I have BHS gold membership for personal accident and 3rd party liability.

The exracer would have so many exclusions it's not worth it. Because the other two hunt occasionally (once a season if I'm lucky) the premiums shot up. I could afford it but chose not to. If I need the money for vets bills I'll find it when I need it.

I do have the one that's out on loan insured for a nominal £500 as that gets me the vets cover.
 
poppymoo said:
1) Join BHS as a gold member and get Public liability/3rd party cover for all 3 horses.
2) Insure the horses for high-excess vets bills ( over £500) and theft only.

QUOTE]

I do this excluding the theft part, although he is covered for £1k value, I think this was the minimun to get the vets fees when i took the policy out
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I'm always suspicious when the Vet asks if they are insured surely it shouldn't make any differance to their care?.
I have the gold membership thingy but Blue is over 16 and Picasso is 20 (It says on his Passport ;) ) so as insurance compaies seem to think equines don't live passed 18(mules can live to 40+) I can't see the point and would rather put the money away in a Building Soc account for them
 
When my are turned out for holidays I can change my insurance. I had a massive insurance claim on Oshki after he had his tooth op and really would have been out of pocket, as the operation mounted almost £5000 fees. It was the most stressfull time as I was away at school, mum was sorting it out, horse was in Liverpool vet uni being poked and prodded and my mum was trying to deal with the UTTER NIGHTMARE E&L put us through.
I am with NFU now, and cover myself as I see fit.
I always wonder what happens when people have accidents out riding on roads with horses when they are not insured?
 
poppymoo said:
I am waiting to see if insurance will pay out after the death of my horse.....I chose to have him PTS instead of subjecting him to emergency major abdominal surgery - he was very ill and getting on in years and me and the vet thought it was in his best interests. However, as surgery was available and I declined it.....theres a question mark as to whether they will pay. Ho-hum.

Anywhoo.....I was considering doing this, and I wondered if anyone else does the same.

1) Join BHS as a gold member and get Public liability/3rd party cover for all 3 horses.
2) Insure the horses for high-excess vets bills ( over £500) and theft only.

I was thinking this would keep costs down and yet still cover me for the essentials?

Or just not bothering and putting the money into an account for emergencies?

What do you reckon?
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The only downside to putting your money into a savings account is if your horse gets seriously ill/injured in the first few months of you starting the account!!! But the probability of that happening!!! you would have to be very unlucky!!!
 
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