Insurance - vet bills only

[Adoni123]

Hello,
Insurance question - I’ve only loaned horses as an adult so haven’t been in charge of the insurance before. This may change soon. I know insurance rises with the price paid for the horse, if this the same if you aren’t looking to be paid back for the horse if it passed? I’m only looking for vet cover and the horse I’ve seen is quite expensive. I’m not bothered about the money back if PTS etc but would like vet bills paid!
Any help appreciated

 

[twobearsarthur]

I have vets fees & 3rd party liability only and yes it is cheaper than insuring for PTS/LOU/theft etc… One thing you have to be sure about is if the horse had to be PTS would you want to replace it at some point? and how would you fund that if it was to happen. If I was to lose my boy that would be it for me with horses at this point in my life thats why I don’t have it.

 

[criso]

When I retired my horse, I looked at what difference reducing the value to the minimum would make as he was no longer able to be ridden and not worth anything. I was with NFU and they sent me a breakdown and loss of horse was a very small proportion of the annual premium.

You'll will need to find an insurer that will allow you to only insure for vets fees as you could make the policy invalid if you were to insure for less than you paid. The price of the horse can make a difference to the premium for vets bills.

There are some sites where you can get online quotes so you could enter the details for different scenarios to compare.