Insurance: yes or no?

SO1

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29 January 2008
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I am insured and have been for the last 15 years. I have had a lot of claims in that time.

Absolutely no way would I not insure however I only have one horse. In the last two year claims for

1. Suspensory injury
2. Tendonitis
3. Arthritis

and now hopefully going to be doing a claim for ulcers.

Pony in vets for last week 5k vet bill for gastic impaction. I don't think this will be covered as he has had colic before though insurers say there may be a possibility if the other colics were gassy or for a different reason.

If I was insured and had no claims then I would be delighted as it would mean a healthy horse.

I am also lucky enough to have savings to back up insurance.
 
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