Insuring for vets fees - is it worth it?

[sherry90]

possibly also depends on the horses you have. I am always slightly baffled when people say they want control over when to PTS and not be stuck with what the insurance company say. Mine are such low value animals the payout on death would be peanuts anyway therefore if I want/need to PTS I will do, what the insurers think is of basically no consequence to me. I really only want it for the vets fees cushion.

Same. My horse is priceless to me (soppy/mushy, yes!) but no amount of insurance pay out would bring him back or replace him in the event he was PTS.

OP I insure purely for vets fees. As/when exclusions become an issue (which with overzealous insurers won’t be long - currently having a battle with Petplan!) I will likely move to credit card/savings option.

 

[[131452]]

In 2018-19 I claimed over £15 grand over two horses so yes I would always insure!

 

[spacefaer]

No. There are certain things we would never put our horses through - colic surgery or kissing spine op for instance.
Anything else, we'd just pay for.

I have insured in the past, many years ago but I do resent giving vast sums of money to some company who can decide on a whim not to give it back to me.

 

[GTRJazz]

Out of the money you pay as a premium the insurance company rents or buys the buildings it works out of, pays wages and share holders and covers any claim so it must be much cheaper not to insure which is what I do.