Pet plan and vet history.

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angrybird1

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Hello. Just a question if any one could help.
I've unfortunately got to claim on my ponys insurance.

My currant vet has sent full history to insurance company.
My previous vet has also sent all history.
There is a gap in the vaccination history as due to personal circumstances. Ie family bereavement when pony was unvaccinated.
This was ten years ago and pony is now fully up to date with vaccination.
Thus means there is a gap in Vet history.
Is this likely to be a problem?
Claim is for something unrelated to vaccination and is something he's never suffered from before
Gap is from 10 years ago.
 
If you restarted there should be no problem at all especially if it is unrelated to the claim, most horses will not have 10 years of history available so I wouldn't worry too much.
 
I wouldnt think so at all as unrelated? Grumps medical history only starts 13 months ago at the age of 12 and my insurance paid out my maximum claim amount this year for illness with no questions, i wouldnt worry at all but if you are just phone them and ask.
 
I missed one out and didnt even noticed. Just merrily carried on with the jabs the next year. Animal Friends did ring and query if he had been registered with another vet etc, but it was obvious from his records that he had been with that vet and it was just an mistake. They dont have to be vaccinated for the insurance to pay out, they are looking to see if you have registered them with another vet to try and hide the medical history and make a claim.
 
PorkChop said:
It shouldn't affect your claim.

Usually vaccination is not necessary to have valid insurance.
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Pet Plan have up to date vaccination for flu/tet as a condition of insurance. That being said, it sounds as though the horse is vaccinated up to date so there shouldn't be a problem. We had an issue with OH's horse with Pet Plan as two of our horses have very similar sounding names and one set of vaccinations (just after we got the horse) had accidentally been recorded against the wrong horse by the vet. As he didn't see a vet until the next year for vaccinations, it looked like he hadn't been registered with a vet in the interim year since the date of transfer of ownership and they questioned it as a 'gap' when we came to claim for a suspensory issue years later. It wasn't the lack of vaccination they seemed to care about though, more the 'gap'. As you've been with the same vet, I don't see it as causing much of an issue.
 
Yes he's vaccinated now and has been for years. My worry is that because he did miss a vaccination and had no treatment from a vet in that time it does appear that there is a gap.
I've got full history before and after and his problem now is nothing at all to do with vaccination and is a completely new issue from which he's never suffered from or been treated before this. In fact he's only had routine treatment ie vaccination, worming teeth rasp etc for all his time with me until now.
 
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angrybird1 said:
Yes he's vaccinated now and has been for years. My worry is that because he did miss a vaccination and had no treatment from a vet in that time it does appear that there is a gap.
I've got full history before and after and his problem now is nothing at all to do with vaccination and is a completely new issue from which he's never suffered from or been treated before this.
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Were the vaccinations either side of the gap done by the same vet? I'd say, if so, you should be fine.

As it was 10 years ago and he's now vaccinated to date, I would guess it shouldn't be an issue. I had a nightmare with Pet Plan (with another horse to the one with gap) recently over questions they raised about veterinary history, picking apart every tiny comment ever written about the horse. They really dragged it out, calling for numerous extra veterinary reports about tiny things that seemed totally unrelated and happened years ago. Even after dragging their feet to this degree though, they still paid out and it was alll sorted. It just took a little longer than it could've done.

To be honest, I think they tend to scrutinise the comments / past illnesses rather than the entries for vaccinations and certainly not from 10years ago. Most people couldn't provide that long a veterinary history anyway.

ETA I think the reason they don't like a gap is because it raises suspicion that an owner might have sought veterinary attention for the illness in question from a different vet so as to deliberately keep it off the horse's record. I would assume this wouldn't be relevant to a gap from 10 years ago.
 
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Thanks. Guess I'm just worrying because of all the questions they are asking.
I've owned this pony for years and he's never had a health problem.
 
FDLady said:
I wouldnt think so at all as unrelated? Grumps medical history only starts 13 months ago at the age of 12 and my insurance paid out my maximum claim amount this year for illness with no questions, i wouldnt worry at all but if you are just phone them and ask.
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Thanks, I have rang them but they can't really give ma a answer at the moment.
 
Shouldn't be an issue.

Most policies want the horse correctly vaccinated as a condition of cover, but it would be impossible to insist only in covering horses with a perfect uninterrupted vaccination record. A very large proportion of horses would be uninsurable by that measure!
 
Theocat said:
Shouldn't be an issue.

Most policies want the horse correctly vaccinated as a condition of cover, but it would be impossible to insist only in covering horses with a perfect uninterrupted vaccination record. A very large proportion of horses would be uninsurable by that measure!
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Absolutely - if that measure was used I'm guessing insurance companies would very quickly go out of business, especially if they still declined insurance once back up to date AND for unrelated conditions.
 
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