DiamondClover
Member
Hi,
My homebred 2 year old's insurance is up for renewal...... We've actually had to use the insurance 3 times in the last 2 years...... gutted...... big bills too :-(((( We signed up at 3 months old with E&L (Yep..... I'm sure you'll all have lots to say about them!!!)..... thinking 'he's only a baby...... we 'shouldn't need it'..... so insure cheaply - just incase..... HOW WRONG CAN ONE BE !!!!
He's had all fetlocks xrayed because he was growing too quickly at 4.5 months..... 1 big bill...... I paid the excess of £135.00 - and it took MONTHS for the Insurance company to pay our - but they DID eventually!!!
Then later in the same year he went lame on a hock joint...... he was very under the weather - spent a week in the Vets having skin scrapings, bloods. etc., taken..... until they discovered it was RINGWORM !!!!!! £1.700 vet bill (Oh yes!!!!!)...... £135.00 excess paid by me........ yet again took an absolute age to get them to pay out - but they did all but the hospitalisation of 7 days......
Then he took a tumble in the field....... had him on box rest for 4 months, Vet came to assess..... advised more box rest (a 2 year old going nuts in a small area!!)had a second opinion, and lots more x-rayys etc., he'd got a small boney growth of bone growing on his hock bones.....very similar to a bone spavin..... we were advised small surgery to remove the cartilage from between the bottom 3 bones in his hock, thus speeding up fusion.... and he should be ok again........ had that ok'd by E&L..... all done fine BUT as the surgery etc., came out at around £3.000 I didn't pay the £135.00 as I thought...... but 20% of the total bill :-(((((( I had to pay the Vets on leaving with my boy after surgery.... so put it on a 0% finance credit card to give me a bit of breathing space...... they AGAIN took MONTHS to pay out..... but finally did........
So....... do I go with them again this 3 year..... or change? They are VERY slow at paying..... BUT have NOT excluded both hind legs (after the surgery)..... and the policy is still under £200.00 ....... (I do have his mother to insure - plus another expensive eventer.... and I'm struggling with it all)....... What are you thoughts on this??? Be very interested to know..... he's out 24/7 at grass to mature......
My homebred 2 year old's insurance is up for renewal...... We've actually had to use the insurance 3 times in the last 2 years...... gutted...... big bills too :-(((( We signed up at 3 months old with E&L (Yep..... I'm sure you'll all have lots to say about them!!!)..... thinking 'he's only a baby...... we 'shouldn't need it'..... so insure cheaply - just incase..... HOW WRONG CAN ONE BE !!!!
He's had all fetlocks xrayed because he was growing too quickly at 4.5 months..... 1 big bill...... I paid the excess of £135.00 - and it took MONTHS for the Insurance company to pay our - but they DID eventually!!!
Then later in the same year he went lame on a hock joint...... he was very under the weather - spent a week in the Vets having skin scrapings, bloods. etc., taken..... until they discovered it was RINGWORM !!!!!! £1.700 vet bill (Oh yes!!!!!)...... £135.00 excess paid by me........ yet again took an absolute age to get them to pay out - but they did all but the hospitalisation of 7 days......
Then he took a tumble in the field....... had him on box rest for 4 months, Vet came to assess..... advised more box rest (a 2 year old going nuts in a small area!!)had a second opinion, and lots more x-rayys etc., he'd got a small boney growth of bone growing on his hock bones.....very similar to a bone spavin..... we were advised small surgery to remove the cartilage from between the bottom 3 bones in his hock, thus speeding up fusion.... and he should be ok again........ had that ok'd by E&L..... all done fine BUT as the surgery etc., came out at around £3.000 I didn't pay the £135.00 as I thought...... but 20% of the total bill :-(((((( I had to pay the Vets on leaving with my boy after surgery.... so put it on a 0% finance credit card to give me a bit of breathing space...... they AGAIN took MONTHS to pay out..... but finally did........
So....... do I go with them again this 3 year..... or change? They are VERY slow at paying..... BUT have NOT excluded both hind legs (after the surgery)..... and the policy is still under £200.00 ....... (I do have his mother to insure - plus another expensive eventer.... and I'm struggling with it all)....... What are you thoughts on this??? Be very interested to know..... he's out 24/7 at grass to mature......
