chestnut cob
Well-Known Member
I'm just making a claim for my horse for vet's fees. I haven't claimed for years and never for this horse. The covering letter accompanying the forms says I have to provide a full medical history since I have owned this horse. I can't do this for a couple of reasons:
1. The vet practice I used for the vetting and to treat a sarcoid (which he had when I got him and was excluded, but insurers know about) are no longer in business. The partners went their separate ways a couple of years ago and the vet who attended him has long since moved on to another practise. I wouldn't know where to get those records from and since the business has been dissolved, I doubt I can get them.
2. Vaccination records... the horse I have now never usually needs the vet for anything besides vaccinations so I just use whoever is on the yard at the time and give them cash. In the main he has been vaccinated by the practice who carried out his treatment this week, but not always. One practise who did jabs were visiting another horse so got them to vaccinate while they were there. Another is an equine vet who is a livery on the yard; worked at a practise I've never been registered with. Again, paid cash because I had no need to register with that practise.
What am I supposed to do?! If insurance refuse to pay out because of the above then I can cover the treatment costs, that isn't really an issue, but the principle of having insurance is that I shouldn't need to when the horse has received all of the care he is supposed to. Surely insurers can't turn down a claim for lack of medical history when one practise is no longer in business so I can't get records from them?!
:/
1. The vet practice I used for the vetting and to treat a sarcoid (which he had when I got him and was excluded, but insurers know about) are no longer in business. The partners went their separate ways a couple of years ago and the vet who attended him has long since moved on to another practise. I wouldn't know where to get those records from and since the business has been dissolved, I doubt I can get them.
2. Vaccination records... the horse I have now never usually needs the vet for anything besides vaccinations so I just use whoever is on the yard at the time and give them cash. In the main he has been vaccinated by the practice who carried out his treatment this week, but not always. One practise who did jabs were visiting another horse so got them to vaccinate while they were there. Another is an equine vet who is a livery on the yard; worked at a practise I've never been registered with. Again, paid cash because I had no need to register with that practise.
What am I supposed to do?! If insurance refuse to pay out because of the above then I can cover the treatment costs, that isn't really an issue, but the principle of having insurance is that I shouldn't need to when the horse has received all of the care he is supposed to. Surely insurers can't turn down a claim for lack of medical history when one practise is no longer in business so I can't get records from them?!
:/