help?what are my rights (if any)

jackessex

jackessex

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15 April 2008
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ive just had my chaps teeth done and the vet that came said he had gum disease and that he would prob need to go in and be flushed as he has been balling his food up etc and has gaps in his teeth that the food is geting stuck in,hence the gum disease,he also said it would prob be a claim on my insurance,no prob as im fully insured.so i phoned to arrange for horse to go in and vet said that insurance would need to check prev history,again no prob as he was done 7 months before,then he says hang on a min there is a note on the last check saying about a fractured tooth and signs of gum disease.(this is where it gets sticky)i replied yes when my chap was in for his x-rays for his lameness the vet had done his teeth while he was sedated and mentioned he had a crack in a tooth at the very back but had told me this was "the least of my probs and to sort out the lameness first"so i didnt think any more of it untill now!!!so this is the prob i now have is apparently because it was written on the notes i now can not claim,what annoys me is that i would of delt with teeth straight away if the vet hadnt brushed it off.i cant afford to have what he says is costly treatment and now my insurance is invalid,the horse is having trouble eating haylage now so i cant leave him like it,please help,should i have it out with the vet in question or is it my fault for not insisting it was delt with?sorry about the long post :)
 
Oh dear I think you probably need to have it out with the vet. I am sure you are time bound on insurance to deal and claim for a problem and I expect that will be sooner than 7 months.

Speak to the vet. Really poor of them not to have kept the gum disease in mind particularly if it is likely to necessitate ongoing claims. Good Luck!
 
My friend has to have this treatment done on her horse, it wasn't that expensive. The horse had to go to Liphook and be sedated, but it wasn't bonkers money.
 
I thought that as long as you claim within 12 months of the initial diagnosis, then there isn't a problem. Might be wrong, but deff worth a read of your insurance policy or give them a call. Hope you get him sorted :)
 
My old late horse has a few issues with his teeth. He had his teeth rasped and checked 8 days before he passed away but the vet had suggested the same for him, going in, being sedated, flushed, and having some plugs etc. In conjunction with the vet we decided against it as he was 100% on his legs and travelling him would have been too stressful for him, it was due to be his last summer anyway so the vet said ideally that is what he should have done, but in reality it was too much for him at his age.
I did ask for a general idea of the costs though and it wasnt that expensive as someone else has pointed out.

Could your vet be saying its costly as well, it would be if they did it via the insurance. Very often if its not going via the insurance then treatment seems cheaper!

Maybe if you really highlight your point to the vets they will give you a discount or something? i cant see the insurance paying up as after all, they all like reasons not to pay if the can get away with it.
 
mollydollymo said:
I thought that as long as you claim within 12 months of the initial diagnosis, then there isn't a problem. Might be wrong, but deff worth a read of your insurance policy or give them a call. Hope you get him sorted :)
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yes excpet that i think you have to notify your insurance company within 30 days of onset? although at the time it may not have been considered a claim? best to speak to your insurance company about it.
 
ive phoned insurance and i think ive been lucky,as apparently so long as i claim within 12 months of when it was first noted it should be ok!!!thank god as i couldnt cope with any more bad news this wk :(
thanks for all your comments im with pet plan and i have to say they have been fantastic with everything else,so fingers crossed for me!!
 
thats good news!

Just a reminder to everyone that your vet is not responsible for everything you need to do for your horse. It is your responsibility to notify your insurance company no matter how small, just the same as it is your responsibility to remember when your vaccination is due not your vet!! I appriciate in this case it was at the back of your mind but it is a lesson to us all.

I've just notified my insurance company of the fall my pony and I had as although she's fine (checked by physio/chiro and vet) now it may be that in 6 months time when I get back on her something shows up and if I hadn't notified the insurance company it would be another hole for them to wriggle out of!
 
Surely if you notify your insurance of things such as a fall they will use that as a reason NOT to pay if you need to claim in the future?
 
i totally agree horsegirl they will, ive been lucky that my insurance are good but ive had dealings with other companys that would use that as an excuse not to pay!!
also ella 19, my vet told me not to worry about it at that point in time so i was doing what you pay them for in the first place and taking his advice!!!which could very well have ended up with an uninsured horse that needed serious work on his teeth that i would of been unable to pay for!!!!
 
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