I stopped using them purely because of that. Currently have WHW for third party and accidental injury on the retired horse and ponies. My ridden horse is insured for minimal value, my choice a sit keeps the premiums down, I just have that for vet fees. I think £5000 and I paid £450 approx for the year.
Just tried an online quote - same price
It's a pity, because historically they have been the least expensive , and in my experience, have paid out promptly without quibble.
Same. They have been great for me over the years
Ouch indeed. At £400 is it not starting to get close to premiums offered at the cheaper end of general veterinary cover (E&L and associated companies?). Even if you have exclusions, you may get more covered this way? There is also co-payment to consider.KBIS‘s catastrophe cover has just gone up from £300 to £400. Another ouch
Until the day they die/pts, although all vets bills are paid from their account, including vaccinations. My cat only ever saw the vet once for an infection & died age 20, her account paid for a horse back safari, lovely way to remember her
Yes I am debating whether to renew cover. It covers colic, external injury, pedal bone fracture and I think joint flushing for blackthorns.KBIS‘s catastrophe cover has just gone up from £300 to £400. Another ouch
This is the tier I am on:
When you self insure, as I do, it's always revealing just how many diagnostic procedures are shelved as being unnecessary.
My vet knows that I self insure but will always stump up for what needs doing, but she cuts out the frills. She's talked me out getting bone scans and MRIs before, though I was the one suggesting getting them done. 'No, we'll try this first'. And 'we don't need those images, but we do need these ones'.
She was also right to overrule my instinct to swerve getting my mare scoped for foregut ulcers and to go straight for gastroguard, even though she, me and another vet thought that she almost certainly had them. She scoped clear.
I'm afraid that vets are well aware that insured horses have up to £x k available to throw at them for diagnostics and treatment, but only for a year, and for *some* vets that exerts an undue influence on what they recommend to the owner.
Yes, you may get a similar quote but you will find that somethings are not actually covered. KBIS will pay for the medication but will not pay for a nebuliser which costs in excess of £800. You never know how good or bad your insurance cover is until you make a claim.Just tried an online quote - same price
I assume you tried SEIB, I had to ring up to get a quote as my horse isn't a veteran.
I was with NFU until Old Horse aged out several years ago. If anything catastrophic happens now he will be pts.
But are you a high activity score? Competing BD elementary upwards pushes you into highest risk activity group.
As it was accident only, I don't think that has as much of an influence but no I wouldn't be asking for that. However that would have applied for the KBIS quote too. I used the same criteria and they were a little under £400 so not that far from what you are paying.
That was my exact view, the excess looks high but I could afford 25% of a colic surgery or similar so it’s worth it, for me, to reduce the monthly payment