Insurance question.

[cob&onion]

So am thinking i may have to claim on my insurance for vets fees although am not quite sure what is wrong yet but have a pretty good idea.
At what point do i need to let the insurers know?
Would it be after chatting to vet and seeing what diagnosis/treatment is then giving them a call?
Never claimed before so want to make sure i do it right.
Am with petplan

 

[dianchi]

I would call them now, and get the forms sent out to you, you would need to declare it anyway on renewal.
Whats the issue with your horse?

 

[cob&onion]

I would call them now, and get the forms sent out to you, you would need to declare it anyway on renewal.
Whats the issue with your horse?

The physio is coming today, i was referred via the vet as there was nothing obvious going on back in sept (was fully insured then too) i think it maybe a lameness issue and sure the pysio will refer me back to vet. Would it be worth speaking to petplan now? or wait?

 

[Elbie]

Generally terms and conditions of these policies state you need to let them know as soon as anything happens that may lead to a claim.

I would just call and say your horse is undergoing investigations, possible lameness but not confirmed, you may need to put a claim in etc

 

[Polos Mum]

You can't get into trouble by telling them too early - but you can by telling them too late (or not at all) so sooner the better

 

[Greylegs]

You need to tell them what's going on ASAP really, but personally I'd wait until you have had discussions with vets or other professionals to get some idea of the nature of the problem and what needs to be done to fix it. When I was insured with Petplan I called them when my horse went lame but before seeing the vet in case I needed to claim. Turned out horse had a bruised sole from treading on a rock after he cast a shoe, but that leg got excluded for 12 months anyway just on the strength of a call! Horse was ok after a weeks rest and didn't need any treatment. (Which doesn't mean that if he had needed something doing which had resulted in a claim, they wouldn't have paid out, but was a bit miffed that they excluded that leg anyway).

 

[Tiddlypom]

Agree with the other posters that you should alert the insurance company to the fact that your horse may be lame.

The form will ask you to state an exact date on which the lameness was first observed, and when did you first call a vet to examine the horse. If your mare has been not been quite right since last autumn (not saying that she has) they may consider the claim to start from back then, rather than now. This means that your year's cover for one illness/injury may be already counting down, although you have't claimed yet.

There is always a lot of paperwork involved in re claiming vets fees. Keep copies of everything. Good luck.