Oh blimey, I only have £810 left available to spend on Diagnostic treatments, and if it turns out to be a tendon or liagment problem then I would have to pay the whole lot!
Just rung them and they said I have a max budget of £1000 for diagnostic treatments. I have already used £186 on X-Rays so have £810 left for the MRI. Anything over this I will have to pay. If it turns out to be a ligament problem then I will have to pay the lot as ligaments are excluded from the policy!
I paid £1,500 for a package of MRI scans on both front hooves and 3 nights in Liphook back in 2005 - thankfully that was just before NFU Mutual changed their policy, so they picked up the whole bill for me
My bill came to just over £1000, paid in full by Petplan. NFU will pay half for MRI. Doesn't help if you have exclusions on your policy though.
I would ask yourself how much difference the findings of an MRI scan would make to the way you manage your horse's injury, possibly not much. In fact even after having an MRI I didn't do what was advised in the report, which was another 6 months box rest, as the horse had already had 6 months in, and I thought she would be better off turned away for a while, I wasn't prepared to make her suffer any more. It was a gamble that paid off in our case.
An MRI is so brutally clear, that it picks up the most minor of abnormalities and the report can look quite scary. The good foot that was scanned for comparison even came up with things wrong with it!