Goldenstar
Well-Known Member
It’s bad news but it’s the right choice .
Horse on full loan - vet/insurance/WWYD query
- Thread starter Patch55
- Start date
Wishfilly
Well-Known Member
It's such bad news but this horse is very lucky to have both you and his owner willing to do the right thing by him.
Lady Jane
Well-Known Member
How did you get him insured? I have just started with a new loan horse and my insurance wanted a full clinical history as he wasn't being vetted and I wanted cover for vets fees?
Patch55
Active Member
Thanks everyone. Hearing it from others helps.
Lady Jane: although he was insured, I didnt have any vet history for him so it was probably money down the drain looking back as I wouldn't have been able to prove it wasnt a known issue very easily. I didnt spend much more than the excess so it's not a huge financial loss by any means. I'd dig a lot deeper if it meant he came sound again!
Edit to add: get the owner to get the vet history for you or get the owner to insure and you pay the premiums
Lady Jane: although he was insured, I didnt have any vet history for him so it was probably money down the drain looking back as I wouldn't have been able to prove it wasnt a known issue very easily. I didnt spend much more than the excess so it's not a huge financial loss by any means. I'd dig a lot deeper if it meant he came sound again!
Edit to add: get the owner to get the vet history for you or get the owner to insure and you pay the premiums
Leam_Carrie
Well-Known Member
Sorry to hear the outcome.
teddypops
Well-Known Member
Ask his owner for the history. What insurance company is that with?
Lady Jane
Well-Known Member
KBIS - vets are quite happy to provide a clinical history FOC
teddypops
Well-Known Member
When I had a pony on loan, I never had to provide any previous history, just his history from when I took him on. That was with petplan.
Lady Jane
Well-Known Member
It depends on what cover you want
teddypops
Well-Known Member
I had cover for vets fees, death and disposal.
Dexter
Well-Known Member
They ask when you claim. And they look at vaccinations to trace any vets you neglect to tell them about as well.
Patch55
Active Member
Yes this is what happened to me. I was with Petplan and all I needed to start cover was a signed loan agreement from the owner, they didnt ask for any history.
teddypops
Well-Known Member
They asked me for vaccination record and history while I had owned him. They paid my vet bill and paid out when he was pts. Did not ask for any earlier history.
Lady Jane
Well-Known Member
It may be the horse is fairly high value so I chose the top vet cover