going to vets&insurance co's

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catherine22

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I know this should prob be in vetinernary but theres more people in here!
my horse has to go to the vets on tuesday for a scan on his ligament and an xray from a cut he had over xmas (dont know if any of you remember the pics I posted?)
now im not sure how much it is going to cost and if its not too much we will pay for it on cc instead of insurance.
however do i need to tell the insurance company (NFU) before he goes as there may be a claim or wait and see?

xx
 
I'm sure there are better insurance experts here (I should be with my current record) but could you not ring the vets for a quote so you know whether you will need to claim or not. The vets should have a good idea of costs involved. NFU are good but insurance companies make a point of saying you must let them know if you are going to claim etc.so there might be a risk of you incurring diagnosis and treatment costs and the insurance company saying you haven't followed procedure. Maybe read the policy thoroughly first - but I think NFU would be the last insurers to try to wriggle out of it.
 
Hi,

The Insurance Companies want to know every time your horse injure's itself regardless of whether you make a claim, this is the same with your car insurance unfortunately. If you proceed with your Vet without notifying your insurance company first you will find that should the costs become too expensive for you to pay out without a claim the Insurance company will refuse to pay out on your claim also!! I only know this as my husband is a Vet and regularly has to deal with the companies. You will find in your policy somewhere that it states they must be notified immediately of any incident or as soon as possible (if it happened late at night then they expect you to contact them the next morning!!) Hope this is of some guidence for you.
 
I would advise you insurer's asap really if any investigative treatement is being carried out, They can at least make a record of it and then you can notify them again if you're not going to claim. You would have to declare what has happened at renewal anyway so you may aswell advise them.

Generally an insurance company would not turn down your claim if you say had left it a few months before making them aware as, in many cases these incidents do not amount to much expense and people might not always claim. Our claims department have claim cases where the incident date may be several months before we have been notified and, providing there is a reason for the late notification I can't think of any where the claim would be refused on these grounds.

However, as you said your horse has had x-rays and scans my guess would be this would be fairly costly and would be above your excess on your policy so presumably you'd want to claim?

Anyway, my advice would be advise your insurers regardless so at least you know you've done it right anyway! I don't think NFU would have any problems with it (and no, I do not work for them!)
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however do i need to tell the insurance company (NFU) before he goes as there may be a claim or wait and see?

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Yep - always tell them prior to the commencment of any treatment.
 
have phoned them this morning and let them know he's got to have the scans and xrays 2moro.
I just need to let them know if I definately do need to claim.
As this was the result of a kick, do you know (I should have asked this morning) if an exlusion will be placed on that leg? Or will it depend what is wrong with it
 
Hmm, exclusions are tricky ones - guess depends on the underwriter! Depends on the extent on the injury and whether just superficial or if any tendons or ligaments etc have been affected.

If kick has damaged any then it is likely a tendon/ligament exclusion will be applied. Personally if I was underwriting it (obviously would need more information) if only a bruise, superficial cut etc with no underlying damage to the bone or tendons then I would be unlikely to apply an exclusion. However, every insurer differs.
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they only tend to exclude if something shows up ie a hairline fracture, or splint caused by the kick, unfortunately they tend to exclude all soft tissue effecting that leg also but wait to see what the scan shows and if the Vet isn't too worried ask him to state on the claim form that he feels it will not effect him or his health long term.
 
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