Insurance query - confused

[wonkey_donkey]

My insurance company has just paid out for a recently diagnosed lameness problem but the horse will require ongoing treatment for probably the next 10 months or so. As such, the horse will need further boxes of bute / vet strength joint supplement / remedial shoeing etc.
So what the score, do you let the costs add up for a while and put in another claim, or you you put a claim in each time he has anything like a repeat prescription or his shoeing for example ???
Obviously im aware they will only pay out for the first 12 months of the condition and then they will put the relevant exclusions on the horse. But until then I'm not sure what's the norm.

 

[MurphysMinder]

Hopefully, your vet has advised the insurance company that the treatment will be ongoing. When my pony was diagnosed with Cushings I put a claim in for the tests etc and then sent a claim every couple of months for repeat prescriptions. The insurance company just sent a cheque by return, it was very simple. Unfortunately the 12 months was soon up and have to pay myself now but its worth it to have her reasonably well.

 

[happihorse]

You will keep the same claim 'open' and they will just settle bills as and when you send them in. If the treatment will be from different sources (eg farrier, vet, feed store, etc), it may be best for you to pay first and then send the insurance company all of the bills at the end of each month. However, some insurance companies will pay vets direct. You need to put the original claim reference on each bill you send in (and keep copies!)

 

[dozzie]

Firstly check with your insurance company. Then make sure that any new treatments are cleared with the company and backed up by the vet.

I am in this position and i just send the bills in as they come in.