Just wondered how many of you......

Black_Horse_White

Black_Horse_White

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Have had the vet out to your horse/pony, without informing or claiming off your insurance. My horse had colic this time last year. He recovered quickly so i never claimed or informed my insurance company. I know if i had he wouldn't be covered for it anyway. So seems your damned if you do, and damned if you don't.
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god i have never claimed off insurance - to my mind vets insurance is for the really big things that run into hundreds/thousands, guess I been lucky - I now dont have vets insurance but pay 30.00 a month into a savings account (just in case) and just have bog standard 3rd party/death of horse cover....
 
I don't have horse insurance full stop.

The Vet comes when he is called, mends whichever horse is broken when he can, and I pay by return when he bills me...end of.

I have too many horses coming through to insure and I can only get mortality anyway, not worth it unless a horse is valued at $10,000 + as far as I am concerned. Public liability is covered on the farm insurance.

I never claimed off my insurance before because it was fortunately generally only a few pounds over the excess and really not worth the hassle, especially if that body part would be excluded from further claims.
 
Problem is if you tell them they exclude that problem once the year is up, but if you do ever claim they ask for all your past vet bills which will show up any visits for illnesses that you have not claimed on.
So they could refuse to pay out, petplan have just asked for all of my ponies previous vet visits, they wanted copies of all my vet bills.
I luckily have just routine visits on mine, but in the past with other horses I have not informed them of minor illnesses, some insurances will exclude your claim because you have failed to notify of other visits from your vet.
 
i do not have any insurance as it costs to much to insure them for there true value, last year i ended up with a 7k vets bill for tendon issues but now that horse would have exclusions on his 2 fronts legs and his mouth (knocked his teeth outgoing nuts on box rest!!) so would be fairly silly anyway!! but i was lucky in that i was in a position to pay that bill, i know not everyone would be
 
Most insurance companies require you to advise them whenever you have the vet out whether your make a claim or not although I know a lot of people do not do this.

The problems begin when you do make a claim and the insurance company asks the vets for a prior medical history. If they see that a horse has been seen, especially for something like a colic, they are likely to refuse the claim.

I agree it is a no-win situation.
 
I have never claimed off my insurance, due to the fact I do not have any! I used to have insurance, moved company(so i thought) documents never seemed to turn up, tried chasing it up but to no avail.
Horse typically went wrong during this time after years of being insured and not needing to claim. Now she is 20yrs old and had a couple of things gone wrong I cannot get decent insurance or covered for things that are most likely to go wrong, thats what you call sods law!

I would insure a younger horse when I get another when I have the money to run a second as I think its probably worth it
 
Well, I bought my mare last March, Insured her when I bought her. Only for vet fees, as Public liability is through BHS and I don't bother with the death etc. parts.

Six months and 3 days later, my mare had a freak accident on a yard, when she slipped on wet concrete and trapped her leg in the drainage gap under a stable.

After hours of surgery late on a sunday night, a week as an in-patient and copius visits for dressing changes, my mare is as good as new (albeit a very small scar) and pet plan are £5000 worse off. A bill I'd have struggled to pay myself.

I'm so glad mine are insured.
 
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