Insurance claim question

J

JoJo_

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My mare is suffering with a bad back at the moment so my first point of call was saddle fitter who said she didnt think the saddle was the cause of the back problem but probably hasnt helped as her back was spasming. So she gave me the number of a good physio. Physio has been out for two sessions and asked me to have the vet out just to make sure there is no underlying problem. Vet came out and put her on bute and will be back tomorrow to see how she has been getting on.

My physio also recommended a remedial farrier as she reckoned her front heels were a bit low and that could cause back pain so he is coming out later today to check her. The vet fees and physio fees so far is on its way to going over my excess so I will start claiming on the insurance but do you think I could claim for the remedial farrier work?
 
You can usually claim for remedial farriery but it has to be recommended by your vet. You claim the amount over the price for your normal shoeing ie, if your shoeing is normally £60 and your remedial work is £150 then you claim back £90. Again with the physio- you may not be able to claim for the initial consult as it has not been recommended by your Vet but I don't know the T&Cs of your policy...
 
Have you looked at your insurance documents? some insurance companies will pay for complementary therapies (not sure if remedial farrier is classed as that). I renewed my insurance recently (pet plan) and i am covered for complementary therapies if they are recommended by the attending vet.
 
Your insurance won't pay out for any physio treatment your horse had BEFORE the vet came.... (my friend has been there done that!)

I'd have thought if your vet has recommended remedial farriery your insurance will pay the difference between what you normally pay and the bill.
 
Hmmm i'll have to discuss whether they will refund me for the two physio sessions before the vet came. The physio did call my vets to ensure they would allow her to treat Tia before she came for the initial assessment so i'm sure my vets would put that on the claim form. And i'm with NFU who are normally quite good.

I just wasnt sure if remedial farriery is something NFU would pay for. I have looked at my policy docs and they just say alternative treatment/husbandry.
 
NFU have a farriery section on their claim form so I think you'll be ok.

Friends physio had spoken to vet for permission to treat, vet put that on form, but they wouldn't pay before she'd actually seen him (which he had to do cause after 2 sessions it was decided he needed treatment under sedation).
 
I would play this one very cautiously.

Physio - insurance only likely to pay for vet referral physio, so if you have had sessions before the vet saw horse it won't be covered

Remedial farriery - again on vet referral, insurance will only pay difference between usual shoes and the remedial.

When I say play this cautiously then I mean if you are going to start claiming for back problems and unbalanced feet then you are likely to get a big blanket exclusion on your policy that could hit you hard down the line.

Waitt and see what your vet thinks might be the problem before you open a claim. If it's muscle spasm combined with saddle issues and possibly imbalanced feet then I'd be inclined to sort those out from your own purse
 
Agree with what the others have said.

I'm with the NFU and I'm claiming for imprint shoes as my mare has laminitis but it has been advised by the vet.
 
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