Insurance!

[HopOnTrot]

Pony is 21, renewal has come through for £82 a month, spine, hocks, spavins and 2 teeth are excluded.

I would like to keep her insured but wondered about dropping her down to £3k rather than £5k? I wouldn’t put her through colic surgery.

I have funds to pay but as a sensible grown up with a family I would prefer to keep her insured, to date neither of her claims have come close to £5k.

Can anyone see a reason not to drop her down to £3k? She is only insured for her purchase price (£800 )

 

[SpotsandBays]

What about an accident/external injury insurance from somewhere like WHW or Harry hall?

 

[eggs]

I stopped insuring some years ago and put what would have been my premiums into a separate bank account. So far a lot more has gone into it than has come out. I also have public liability insurance through my membership of BD and am a member of World Horse Welfare (approx £175 per annum) which gives up to £1500 for accidental injury vet fees.

 

[SO1]

I would keep the insurance if you can if you think you might treat for Cushings which is a risk with elder ponies. Even if you don't do surgery cost of treatment medically for colic can rack up, and treatment for ulcers can be expensive too.

 

[Fieldlife]

I would keep the insurance if you can if you think you might treat for Cushings which is a risk with elder ponies. Even if you don't do surgery cost of treatment medically for colic can rack up, and treatment for ulcers can be expensive too.

Will any insurance pay out for cushing in a horse over 21? I would be surprised.

 

[SpotsandBays]

I don’t know about WHW but I’m aware that with Harry hall you can add colic cover too