Insurance - when to call vet

junglefairy

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8 February 2011
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In terms of making insurance claims for veterinary treatment for a wound, would an insurance company expect you to call the vet immediately out of hours when wound noticed if horse wasn't lame, bleeding or in any immediate danger? Could they/would they refuse a claim if you waited until the next morning and had the horse seen that day?
 

be positive

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Most wounds that are fine left without emergency treatment will be under the excess so the question is not really valid, if minor enough to treat yourself but then need antibiotics for infection that should be fine if it goes over or if something unexpected shows when they don't respond to normal treatment.
If they are near a joint, need stitching or obviously very deep then to leave without getting the vet or at least making a all could result in them refusing the claim as they could decide the owner was negligent to leave the horse without appropriate care, it is a judgement call based on experience, if you don't have the experience to make the decision it is always going to be best to play safe and get the vet regardless of whether it is insured or not, sometimes the smallest most innocuous wounds prove the most serious.
 

Limbo1

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I have made a claim for a wound that was left, but this was a good few years ago. Pony came in dark and muddy so scrape not noticed or cleaned till next am. By which time leg like a balloon and infected. So vet called and claim made as it needed antibiotics, and prolonged politicising and treatment - he had skinned the whole length of his lower leg. Taught me a lesson too!
 
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