Petplan paying out within the first month?

R

robynqq555

Member
Joined
30 August 2019
Messages
13
Visit site
I insured my gelding 2 weeks ago I’ve had him 4 months, brung him in from the field, tacked him up and got on him. He left his usual self in walk a little different in trot, I thought maybe a little stiff but asked for canter and he almost bunny hopped into it, as if he struggled to get his back end under him. I got off and checked him. No swelling or heat but definitely something not right today. Lunged him on the other rein and same again which isn’t like him. I don’t know if he’s done something in the field, possibly cast in the stable. I’m going to phone the vets today. But what are the chances of pet plan paying out so early on? Or am i best just ignoring insurance the now and paying myself
 
You will have to tell the insurance about any vet treatment. Most policies have a 2 week exclusion at the start for anything other than traumatic injury.
It unlikely you'll convince an insurance company that a horse you owned for 4 months & then insured only went lame now once over the 14 day exclusion period
 
robynqq555 said:
Or am i best just ignoring insurance the now and paying myself
Click to expand...
You will still have to declare the issue to the insurance company later even if you don’t claim for it now. They may, depending on what the cause is, place subsequent exclusions on the policy. So best go through them from the off.

They may understandably get antsy re paying out if the vet thinks it could be due to or, linked to, a pre existing condition.

ETA It’s a known dodge for folk to start insuring an animal for vets fees only after they already suspect that there is something amiss. Not saying that in any way that this applies for the OP, but be aware that the insurance co will scrutinise such a claim particularly carefully.
 
Last edited:
Same response as for when you asked in Veterinary and Hoof Care, which you subsequently edited when you didn’t like the response.... if you know it’s an issue prior to taking out the policy (when the physio brought it to your attention) if you subsequently claim it will be insurance fraud.

The insurers will look at your claim in detail if you make a claim soon after taking the policy out, and also ask why didn’t you insure the horse for 4months and then take out a policy and claim as soon as you are out the exclusion period. It’s is likely they will not pay out.

Sorry if I’m blunt but insurance fraud is a big reason for insurance fees being so hard!

Best way to deal with vet fees which you cannot afford in uninsured horses is to take a loan/credit card to pay back gradually.
 
You must log in or register to reply here.
Top