Insurance Help!!

J

jessikaGinger

Well-Known Member
Joined
3 January 2011
Messages
677
Visit site
So, my horse may need the vet, which i imagine will be a hefty bill

if i insure her now & turn her out then get the vet out in a few weeks will i be covered if the vet finds 'an old injury'

im baffled
 
That would be considered fraud, if she needs the vet you must, unfortunately, get one to her, turning away may be all she needs but it may make whatever is wrong much worse.
 
You cant do that.

Firstly, if your horse needs a vet its cruel to put it off.

Secondly, you have to sign a disclaimer to say your horse is fit and well and injury free when you take out insurance. Most have a period of 14 days where you can only claim for emergencies anyway.

My advice would be call the vet and get your horse sorted, then learn from your mistake and take out insurance for the future.

Sorry if it sounds harsh, but in my opinion owning a horse and not insuring it for vet fees is silly! Good luck and I hope your horse is ok xx
 
I worded it wrong I'm not a fraudster promise! I mean if shes been turned out, I insure her, then bring her back into work and she's got an issue and the vet says its an old injury would I be covered
Hope that makes sense :)
 
jessikaGinger said:
I worded it wrong I'm not a fraudster promise! I mean if shes been turned out, I insure her, then bring her back into work and she's got an issue and the vet says its an old injury would I be covered
Hope that makes sense :)
Click to expand...

No it's a preexisting condition ,it's fraud.
You have to declare that there are no known pre existing problems.
 
It's the risk you take when you choose not to insure frankly. You are either prepared to budget and pay up when you need the vet or take insurance and have the safety net and peace of mind of knowing your bills are covered.

You can lower your premiums by taking insurance with a higher excess - I have a £500 excess on 2 of my horses policies; that way you have the peace of mind that really hefty bills are covered partly. Extras like loss of use and a high value will obviously present a high annual premium.
 
so you mean theres.nothing wrong with the horse now but she has had an injury in the past that a vet may pick up on?

your worried that something happens and the vet relates it to a previous injury?

when you insure a horse you are supoosed to disclose any previous medical condions/injurys and it will probably be excluded. the onky way round it would be to gey a vetting for insurance purposes, if the vet says that the old injury is not affecting horse then they amy not exclude it.

does that make sense?
 
I agree. Anything pre existing wont be covered on insurance, and if you dont declare it it is fraud.

Horses are expensive and you need to be fully prepared for vet bills. My insurance is £25 a month and covers me for £5000 worth of vet bills with a £125 excess. To me, that is essential. I cannot afford a massive vet bill but would never let my pony suffer! xx
 
I ask because I have a mare that is being brought back into work I have no idea if she's had a past injury or not and I can't decide of to insure her or just put money away each month incase she does ever have an accident and I'm insured and they won't pay out I may as well of put the money in a bank account
Hope that makes sense
 
If you are unaware of any pre existing problems then that is fine. If you know your horse injured its self 3 years ago for example, you have to state that on insurance. My new mare has been a brood mare all of her life, I bought her off a lovely lady who had had her for 2 years. I put on my policy no known illness or injury as far as I am aware. Its all about honesty.

I would insure if I were you. If you can afford to put enough away each month to cover a large vet bill, surely insurance is the cheaper option? x
 
I'd insure at this point, if you bring the horse into work and she does not stay sound then it will be investigated at that point. Then it is up to the insurance company and their veterinary opinion as to whether it is a recurrence of an old injury (very hard for them to prove in most cases so they do give you the benefit of the doubt).

I can understand the point you are making as there are a lot of people who use an injured horse as a broodmare and do not disclose past injury when they sell on. The mare may look sound at that stage as there is no heavy workload. Provided she is not branded with an L or her passport overstamped (breeding only/returned to stud) and you were not informed at the point of sale you have done all you can and taken out a policy honestly.
 
You must log in or register to reply here.
Top