Insurance. Accidental external injuries?

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poiuytrewq

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I currently have third party only cover. My horse recently lost was insured but obviously have cancelled that policy now.
I see WHW do a champion plus cover which includes accidental external unjury cover for any horse in the policy holders care.
What actually is external injury though? Just cuts, things that need stitching?
Would a horse coming in hopping lame and needing an X-ray for example be covered (in the case of a field accident)
Or is it pretty much just not worth doing?
 
poiuytrewq said:
I currently have third party only cover. My horse recently lost was insured but obviously have cancelled that policy now.
I see WHW do a champion plus cover which includes accidental external unjury cover for any horse in the policy holders care.
What actually is external injury though? Just cuts, things that need stitching?
Would a horse coming in hopping lame and needing an X-ray for example be covered (in the case of a field accident)
Or is it pretty much just not worth doing?
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I would assume anything needing xrays in internal and wouldn’t be covered. Accidental external injury would mean (to me anyway) things like cuts and such that would need medical treatment, but a lot of the time wouldn’t be worth claiming as the excess usually supersedes the cost of the actual treatment (unless it’s a horrific wound of course)
 
There was a discussion about this on TE yesterday. IIRC it only covers things with visible external injury - so a hopping lame horse with no cuts wouldn't be covered, but if it was hopping lame with a cut on the same leg then xrays would be covered. This probably varies across insurers so your best bet is to call them and ask.
 
a friend managed to get treatment on one of these emergency policies (x rays etc paid for) with only a very minor visible scratch but I agree it's best to read all the small print carefully. i don't think it would have covered any of the field injuries that millie did to herself, even the broken splint bone didn't have an external wound.
 
I was going to claim when mine had cellulitis due to a cut but the bill came to only slightly more than the excess so it wasn’t worth while.
 
I have that for my mare.
She had an accident this week and has a fat leg off the back of it. I'm not expecting a payout let's put it that way.
But I was too scared to cancel her insurance altogether so went for it as a happy medium!
 
poiuytrewq said:
Pretty much as I figured. Not really worth doing.
I’ll stick with my bhs I think
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Mine was covered with accidental external injury only. Came in from the field with a swollen joint that needed flushing. Only a small cut (puncture wound) but needed the joint flushing, full anaesthetic, time in hospital, xrays etc. Surgeon found a hair in the joint which bolstered my claim. Insurance paid maximum amount which was thousands of pounds. So glad I had the insurance.
But if there was no cut or foreign material found they wouldn't have paid a penny.
 
I had a previous horse insured on a veteran petplan policy which included accidental external injury. He sprained his hock one day in the field and the was no external wound. He had to go to the vets and have scans, x rays and i think they tested his joint fluid to make sure there was no infection in the joint and the insursnce paid out but It was a few years ago though.
 
One of my liveries broke a leg in the field, pastern in 4 pieces nothing to be done. We thought it would be covered but is literally only wounds that are. I always assumed it covered things that were clearly an accident i.e no chance of it being a pre existing condition but it's not. My mum has KBIS catastrophe cover. It covers a few things at a reasonable premium.
 
Libbygrey said:
I had a previous horse insured on a veteran petplan policy which included accidental external injury. He sprained his hock one day in the field and the was no external wound. He had to go to the vets and have scans, x rays and i think they tested his joint fluid to make sure there was no infection in the joint and the insursnce paid out but It was a few years ago though.
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Petplan will still pay for accidents without any external wound. My 32yo hurt his neck at Christmas and ended up being pts and they paid out for vet bill, death & removal.
 
Millie-Rose said:
My mum has KBIS catastrophe cover. It covers a few things at a reasonable premium.
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I have this cover for my youngster. It paid out for xrays, antibiotics etc when he stood on a nail but not when his fetlock joint was still swollen a month later and a scan showed the extensor tendon was thickened (most likely due to knuckling over onto it when he trod on the nail!). I will be upgrading him to full cover at renewal.
 
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