Insurance - disclosure question??

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Bojingles

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The comedy cob has some sarcoids which are being treated with Liverpool Cream. To avoid call-out costs, I'm driving an hour each way to the vets (she needs 5 treatments) but it's kind of occurred to me that this may be pointless. Am I correct in thinking that I will have to disclose this whether or not I claim? I'll have a root through my policy but I'm fairly sure I will have to disclose - anyone in the know insured with NFU? If I'm going to disclose anyway I may as well get the vet to visit as the cob hates travelling and I don't want her to associate it with pain. Any advice appreciated!
 
Yes you should disclose it, if you were going to claim you should have done so before starting the treatment but I've found with NFU if you phone them and are reasonable then they'll be reasonable back. An hour each way is an awful long time if you don't like travelling in the first place and then some barsteward has put on ointment that is in a really sore place and stings like nobody's business. Poor girl.
 
Yes you will have to. When you renew you have to complete a disclosure stating any and all vet treatment. Some policies even ask that you declare things treated at home like mud fever - although NFU doesn't go that far!
 
Right, thanks folks, I'll ring them tomorrow. I don't really know why I've been dithering, tsk. She's a game old bird but I think I'm asking a bit much of her!
 
Yes you have to tell them even if you don't claim.
An hour each way is a long way, time and cost you would be better off and less stressed to call the vet to you !
If you do claim through the insurance they will pay this too.

I hope the treatment is successful.
 
Can you see if its cheaper to leave horse at the vets?
It certainly WAS much cheaper for me last year to leave HF at the vets for 8 days for his 5 x treatments, than it was for me to a, take him each time or b, vet to visit my yard. Worked out about just over £70 cheaper than the cheapest option, as my vets (then) were nearly an hour away & a horrid route for them if traffic was bad.
Also meant me not having to scoot out of work or take prized holiday. HF had a nice time with them, they were able to do him at the right times & also monitor the pain levels too.
Worth an ask of your vets as to costs to leave?
 
You are supposed to tell them whenever your horse is ill or injured, whether vet has come out to treat or not, or whether you are going to claim or not.
 
The Fuzzy Furry said:
Can you see if its cheaper to leave horse at the vets?
It certainly WAS much cheaper for me last year to leave HF at the vets for 8 days for his 5 x treatments, than it was for me to a, take him each time or b, vet to visit my yard. Worked out about just over £70 cheaper than the cheapest option, as my vets (then) were nearly an hour away & a horrid route for them if traffic was bad.
Also meant me not having to scoot out of work or take prized holiday. HF had a nice time with them, they were able to do him at the right times & also monitor the pain levels too.
Worth an ask of your vets as to costs to leave?
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That's a really good suggestion, thanks. I get the impression my vet is über-clever in an academic way but a bit gormless with the everyday financial nitty-gritty. I'll speak to him and NFU and see what can be done.
 
Spoke to NFU this morning and told them the whole story. Was really impressed with their service - they'll even reimburse me for travel to the vet and any extra feed/bedding if put on box rest. For those who were wondering, I held off claiming because I've never claimed on equine insurance before and am used to small animal life cover whereby you don't have to disclose anything as the policy progresses as all conditions are covered for life. :)
 
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