Misty 2020
Well-Known Member
Hi everyone I was thinking of not renewing my insurance. It’s getting more expensive every year . I am also BHS gold member so I will have third party insurance. So is insurance worth it? Do you have insurance?
Why would you think you had to spend a couple of hours on phone to the insurance company instead of dealing with your horse? I have never had to do that.If horse needs treatment, it needs treatment regardless of who is paying what. I get vet as normal, they treat horse as normal, I submit claim forms, insurance pays bills. I know what I am covered for and what I’m not covered for and have never had an issue. I have also never had an insurance company butt in anywhere regarding treatment.Personally, for me, no.
If my horse has an injury in the field, I'd like to concentrate on my horse and listen to the vet, instead of spending a couple of hours on a dark stormy night trying to get through to an insurance company to see if they'll cover the cost of treatment.
I also like to be able to make decisions with my vet about what investigations are in the best interests of my horse without an insurance company butting in. Equally, I like to be able to call a vet for minor ailments without fear of exclusions being added to my policy.
However, I am able to take the hit if I had a large bill, particularly as I've saved thousands of pounds by not having insurance over the years.
same here!Why would you think you had to spend a couple of hours on phone to the insurance company instead of dealing with your horse? I have never had to do that.If horse needs treatment, it needs treatment regardless of who is paying what. I get vet as normal, they treat horse as normal, I submit claim forms, insurance pays bills. I know what I am covered for and what I’m not covered for and have never had an issue. I have also never had an insurance company butt in anywhere regarding treatment.
I’m so sorry to hear this. One of my rescues got a hernia years ago and without insurance that would of been a costly op nowhere near 7k but still money I can’t pluck out of thin air.I will never have a horse without insurance now. I lost my mare last month and her vet fees racked up to around 7k in total. Not something I have lying around! Vets and insurance took care of each other, was very stress free.
However if my mare had survived she wouldn’t have been insured for the next premium year due to too many exclusions. I’d rather pay the premiums and excess than be landed with a huge vet bill that I couldn’t physically afford and potentially jeopardise the treatment options because of affordability.
I’m so sorry to hear this. One of my rescues got a hernia years ago and without insurance that would of been a costly op nowhere near 7k but still money I can’t pluck out of thin air.
Never easy at anytime but just after Xmas makes it even harder. I really feel for you so much. Not a horse but I lost my cat to cancer last September and without insurance it would of cost me £3000 with the first op and treatment. All to no avail. I’d pay that excess again in a heartbeat just to try. As difficult as it is finding the money we do. My horses and animals have kept me skint all my life ?. Guess I’d be lost without them though. What would I do with the extra money ?I found it hard enough to find the money for the excess with her first going lame on New Year’s Eve, I was skint from Christmas! But I would much rather pay that than foot the bill for treatment. X rays every 2 weeks, imprints every 2 weeks etc it soon mounts up! Thank you
Never easy at anytime but just after Xmas makes it even harder. I really feel for you so much. Not a horse but I lost my cat to cancer last September and without insurance it would of cost me £3000 with the first op and treatment. All to no avail. I’d pay that excess again in a heartbeat just to try. As difficult as it is finding the money we do. My horses and animals have kept me skint all my life ?. Guess I’d be lost without them though. What would I do with the extra money ?
They have a life and go out. I think it’s called social life or something???i often wonder what non horse folk spend their money on ?
BHS memberships gold gives you Public liability insurance up to £30 million. So I would be covered if I didn’t have the other insurance. I am going to look into different insurance companies to see can I get a better quote. I pay the vet bills out of my own pocket because the insurance companie will only pay if it’s life threatening.I think public liability at the least is a essential and if your riding on the roads at all I feel it should be law. A friend many years ago had a accident with her horse and a car. Her horse had to be pts on site. No public liability and it was apparently 50/50 fault. If your horse escapes and causes damage or a accident then again do you have the money to pull out your bank to pay for that? The premium is a small price to pay for them kind of events.
Overrated ?They have a life and go out. I think it’s called social life or something???