Loaning and insurance for pre-existing injury

Equus Leather

Equus Leather

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1 May 2006
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Up North
www.virtualdressage.co.uk
Just after some thoughts really.

I'm looking to loan a horse that has had a previous tendon injury. She's had 18 months off work and bred a foal. Vet apparently said that she should be fine to bring back into work. The leg was scanned when the injury originally happened. What would you expect re insurance? Would you expect the loaner to pay for it or the owner? The leg, I imagine, would be uninsurable and I am worried that if it went again with me that I would then be left with a massive vet bill without insurance..what do you guys think?
 
My horse has an exclusion on her insurance therefore she is only insured on 3 legs and not the bad one... I have a contingency fund that i put money into just incase i have any trouble with the bad leg and that way i have the funds available should something else happen to the bad leg..

I know your circumstances are slightly different, surely the horse is allready insured with the current owner? spk to her about it and ask her to ask the insuance company about changing it into your name or if you took out a new policy on the horse would you still have the same cover... you might be lucky.. or maybe have something written into the loan agreement that means if something goes wrong with the bad leg then they will pay say half the vet bill, just an idea..
 
Ed has just gone out on loan and has quite a few exclusions on his insuranse. It is written into our loan agreemeny that should their be a proplem with any pre-existing condiotions then we split the vet fees 50/50
 
My horse has a pre existing condition which is now excluded on the insurance, so I've agreed that I will pay if it needs treating again (it shouldn't be you never know). The loaners have to pay for everything else. I have said though that if it needs treating because of their negligence they will have to pay.
 
I have told them how he needs to be managed, it's written in the contract that for example he must not be allowed to get over weight, must do certain types of work regularly to keep his fitness up...if the condition comes back and the horse is fat and unfit, they won't have been sticking to what I told them they must to stop the condition coming back. I dont know how easy it would be to prove but it's the best I can do really.

But, so far so good and he's probably getting more work than he did with me!
grin.gif
 
Also make sure that if the tendon goes again you can return the horse. I know that sounds awful, but if the mare has a relapse and its not your fault you could be left paying for her all winter.

Good news that you've found a horse though!
 
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