insurance wont pay up....advice

I think its lovely that you are trying to help and do feel really sorry for your friend and her horse but I really dont think the insurance will pay out.
You said that "by the weekend she was away and the loaner was taking care of him, and was advised by other people in the yard to turn him out. she turned him out with stable bandges on and by the time him came in after going crazy in the field his leg was gushing with blood and puss."
it sounds as though the wound was a pre- existing condition that got worse as it was not properly managed. I hope she manages to find the money for the bill. Keep me posted on how he is doing.
 
Out of interest, why did your friend suddenly decide to insure the horse? Playing devil's advocate it does sound quite suspicious - there are a lot of unscrupulous people that will insure a horse for vets fees when they start to suspect a problem, and persnally I am quite pleased that the insurance companies don't pay out willy nilly as it would just push the premiums up for us honest folk.

Re vets treatment I would go ahead and worry about paying the bill later - as long as she pays a bit every month to show that she is trying to clear the debt she will be fine. Surely the welfare of the horse comes first.

By the way I am with Pet Plan and have found them excellent in all respects.
 
Insurance companies aaaarghhh!! Do you know what I think you're best doing? Getting basic 3rd party and put the rest you'd be paying out on a premium in a savings account every month for times when you need a vet.
 
Maybe it depends which company you are insured with, I've had my horse insured for ten years and they have always paid out no problem.
 
My insurance company (not Petplan) wouldn't pay for my yearling's hernia operation because I hadn't told them when she first got the hernia. I.e. it was more than 60 days before the operation. At the time, the vet's advice was to leave it and see if it corrected itself - apparently small hernias do. So I didn't tell the insurance co. about it. Finally, when it failed to correct itself, she was operated on. It's not the same situation, but similar, in that it begs the question - do you call them every time the horse has a minor injury/problem in case it gets worse? They'd be inundated with calls. In my case, the horse has been insured since 14 days old - not a case of recently taken out. I agree that I don't think the person in the post has much chance - most policies have to be in place for a while, and this was a pre-existing condition. I think she'll have to take a loan or, as suggested, a zero percent credit card. It's only like paying in instalments, after all.
 
Do the insurance company know about the things that have been used on the cuts???If yes they will refuse to pay for vets treatment due to a vet not examining and recommending said treatment???(however if it on vets recommendation then it would depend on how long the said horse has been treated before letting the insurance company know??)If you try treating a horse yourself first without asking veterinary advice or informing insurance company you have to be very clever as to wording when what and why has happened to claim!I have 1st hand experience with sarcoids,lol,am a gud liar,lmao!!(HOWEVER if she is covered by the insurance for this it makes no odds if it is ongoing treatment as the insurance should cover it for a year)Think it stinks what the vet said about instalments thow,ring round vets and see if any can help you out in this unfortunate situation!!Hope you manage to get your horse the help he needs!x
 
I think that most companies are pretty clear that you must tell them as soon as the condition occurs. I appreciate we wouldn't all phone and tell them every time a horse cuts his leg. I can't say Im surprised to be honest. Sounds like the vet needed to be involved way before. What does the vet say again? was it to claim LOU or was that the insurance co? Sounds pretty unlikely to me either way. Are you sure your friend isn't stringing you along for a bit of sympathy?
 
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Insurance companies aaaarghhh!! Do you know what I think you're best doing? Getting basic 3rd party and put the rest you'd be paying out on a premium in a savings account every month for times when you need a vet.

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That wouldn't have covered the £ 7,000 I claimed for Holly in one year alone!

crazy.gif
 
it was the insurance company that said about claiming loss of use.

she had a horse before that died of a heart attack while out riding it, and the insurance company wouldnt pay out, her epiletic (sp) dog had an attack and died and they wouldnt pay out because it was a sudden death. so she thought she would risk it with one, since shes had him 4 years and never had a problem, since moving to this yard they have told her to get insurance... so she did.
 
it is not a case that the horse will not get what it needs, of course if he needs an op he will have it, she's just worried about the bills mounting up without any money to pay for it. as she thought she was covered.
 
they said to her if she didnt get him insured no-one was allowed to go near his stable, feed him or anything. if she had someone to try him out she was have to take him off the yard.
 
Unfortunatelt ALL yards(reputable at least)insist that you have your own insurance!!!However think this topic gone off track somewhat eh
smile.gif
)The question was with rgards to your friends horse,as i am aware there was no mention of the horse not being insured in the 1st post???was it insured when all this with its legs started??If yes then why prob??If yes and insurance company got prob then take it further,they charge enough!I stayed away from petplan as they seemed to know more about hamsters and rabbits than owt else,got a quote for my horse and nearly met the devil 15,000 ft underground,lmao!!!Were is your friend again??If this is becoming a major issue she shud be here sorting it,not you!!!x
 
yes only 3rd party insurance.

i dont know if she had a vetting when she brought him. she brought him from a racing yard after he broke down from racing.

hes only been insured for about 3 weeks. the first cuts and mud fever were healing by this point but yes they had occured before the insurance was taken out. and im unaware if she informed them of this, as she did have the vet out for this.
 
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