csb
Member
Hello everyone,
My 21 year old daughter has been dealing with her insurance company, PET PLAN, and my feeling is that they see that she is young, foreigner and not very experienced and are taking her for a ride.
They need to pay a 6000 pound vet bill and each time she calls them they ask for another document.
Her mare developed a splint first in left leg then in her right leg. This went on for some time, but nothing was done as it was clearly a splint each time. A retired vet had a look at the mare each time he came to dinner to the yard, but in an unofficial capacity.
As it was taking too long, my daughter’s employer called the Okham’s vet and got an appointment for the mare. They did x rays, ultrasound and MRI and found that she had a fracture on the splint bone and a vertical fracture on the canon bone.
My daughter paid the excess of her insurance and the mare was operated on. Since then she cannot get the insurance to pay anything.
Every time she calls about the payment they ask for something new.
A bill of sale. She has told them that she doesn’t have one. Her horse only cost 350 pounds. She got the horse from her boss. She has been told it is common not to have one in cheap horses; none of her friends have one. She pays 33 pounds monthly for the insurance. We know it is a lot for such a horse but we have always insured our horses, whatever their price.
Asked her for the full vet history of the horse prior to her buying the horse. She has said she does not have it; the horse was at her employer’s but belonged to an owner. She did however do a full 5 stage vetting before buying the horse which she has sent to the insurance.
A report by the retired vet who had a look at the horse in a non-professional capacity when coming to the yard to see the yard’s owner.
The exact date she first saw the problem. When she couldn’t give it, they really pushed until she gave a date that is approx. and now she does not remember the day she gave and is afraid they will use that against her.
We will appreciate any help you can give us. We do not know how it works in the UK. I am thinking of getting a solicitor. O you know any who deal with these issues?
Thank you.
My 21 year old daughter has been dealing with her insurance company, PET PLAN, and my feeling is that they see that she is young, foreigner and not very experienced and are taking her for a ride.
They need to pay a 6000 pound vet bill and each time she calls them they ask for another document.
Her mare developed a splint first in left leg then in her right leg. This went on for some time, but nothing was done as it was clearly a splint each time. A retired vet had a look at the mare each time he came to dinner to the yard, but in an unofficial capacity.
As it was taking too long, my daughter’s employer called the Okham’s vet and got an appointment for the mare. They did x rays, ultrasound and MRI and found that she had a fracture on the splint bone and a vertical fracture on the canon bone.
My daughter paid the excess of her insurance and the mare was operated on. Since then she cannot get the insurance to pay anything.
Every time she calls about the payment they ask for something new.
A bill of sale. She has told them that she doesn’t have one. Her horse only cost 350 pounds. She got the horse from her boss. She has been told it is common not to have one in cheap horses; none of her friends have one. She pays 33 pounds monthly for the insurance. We know it is a lot for such a horse but we have always insured our horses, whatever their price.
Asked her for the full vet history of the horse prior to her buying the horse. She has said she does not have it; the horse was at her employer’s but belonged to an owner. She did however do a full 5 stage vetting before buying the horse which she has sent to the insurance.
A report by the retired vet who had a look at the horse in a non-professional capacity when coming to the yard to see the yard’s owner.
The exact date she first saw the problem. When she couldn’t give it, they really pushed until she gave a date that is approx. and now she does not remember the day she gave and is afraid they will use that against her.
We will appreciate any help you can give us. We do not know how it works in the UK. I am thinking of getting a solicitor. O you know any who deal with these issues?
Thank you.
