Pet Plan Equine Insurance Exclusions - Not Happy...

[Goldenstar]

Self insurance is the way to go if you possibly can .
Insurance works by the people not claiming paying for those who do and the profit is what's left over .
I think horse insurance for vets fees will become a thing of the past over time .
Too many claims ,too many unsound horses .
I fail to understand why insurance companies insure horses that have not passed a five stage vetting at purchase I would simply stop if I was running an insurance company .
There's loads of other things they could do like exclude horses who are shod who are not reshod within every six week .
I have heard recently they are using the reports that physio's send the vets after visits to exclude conditions diagnosed later on .
There's a great freedom in not being insured to pick and choose what you do .
I have an emergency fund ( £ 10,000 for five horses built up over the years ) and a credit card .
I pay my bills as I go and don't dip into the fund unless I have a big disaster .

 

[HufflyPuffly]

Self insurance is the way to go if you possibly can .
Insurance works by the people not claiming paying for those who do and the profit is what's left over .
I think horse insurance for vets fees will become a thing of the past over time .
Too many claims ,too many unsound horses .
I fail to understand why insurance companies insure horses that have not passed a five stage vetting at purchase I would simply stop if I was running an insurance company .
There's loads of other things they could do like exclude horses who are shod who are not reshod within every six week .
I have heard recently they are using the reports that physio's send the vets after visits to exclude conditions diagnosed later on .
There's a great freedom in not being insured to pick and choose what you do .
I have an emergency fund ( £ 10,000 for five horses built up over the years ) and a credit card .
I pay my bills as I go and don't dip into the fund unless I have a big disaster .

This is exactly what I'm thinking and will be doing from now on. Doodle had her very first claims this year after ten years of paying insurance to Petplan.
The ulcers they have paid in fairness, but that is due to the fact she has never had colic or any stomach issues ever.

Her leg claim has been a disaster and we are now at the compliants stage and if they've not resolved it by the end of this week it will be going higher. The service has been shocking, a different reason to reject every time we've spoken to them, a different story of what the next steps are every time we ring them, a lady actually said to my mum it doesn't matter what you or the vet say we're not paying! Awful company.

Skylla will be insured for 3rd party and I have savings built up for any future disasters...

x x

 

[eggs]

Hmm it sounds to me like your vets have been overly thorough and sent them a complete history of EVERY treatment and not just the treatment you are claiming for, which is a bit bonkers.

I can't see why you would be excluded from future dental issues just because you have had routine 'preventative' dental care. The abscess thing is a bit strange as well. Abscesses are 'normally' easily treatable (unless you're my horse) and aren't usually an indication of anything more serious (again, unless it's my horse).

I would ring them and have a chat and see if you can get them to lift the exclusions.

Unfortunately insurance companies are now asking for the FULL veterinary history and not just the history of the claim. This has been the case for a while now. If you read the small print of your policy there is usually something along the lines of you have to advise the insurers of all vet treatment whether you are claiming for it or not.