Shearwater insurance?...any experience?

[flitz02]

Hi,is anyone insured with shearwater insurance...they have given me a very competitive quote for my horse and just wondering if they are ok or not? Anyone had any dealings with them good or bad....thanking you in advance. xx

 

[Spinal Tap]

Yes, me! They insist on a veterinary treatment summary off your vet every year before they will put your horse on full cover, which has confused the hell out of my vet & created some major headaches for me They also messed me about badly when my old horse died. I got the mortality payout (which was only £1000) eventually after I wrote them a very stroppy letter but it was quite upsetting and really wasn't what I needed at the time. However they did sort it out in the end, which is something. I still insure with them on the basis that insurance companies are all b*****ds & better the devil you know

 

[asmp]

Have been with them for about 4 years now - sometimes good and sometimes not so good. My horse was kicked on the hock and ended up with a £2000 vets bill which they were good about, then it was found that he had a cracked tooth which they said that he could have had when I bought him so they wouldn't pay for the op. After my vet wrote them a letter saying that the tooth had to come out and that I couldn't afford it, they agreed to pay half (vets bill was £1500 this time). Last year I did wonder why I was still insuring with them as for my £300 I only get £3000 vets bill cover which is not a lot nowadays but as the previous person said the better the devil you know, plus I feel with the claims I've made it could be a lot of hassle changing to another company. Have to admit they are very pleasant and helpful on the phone though.

 

[aran]

I've only had amazing dealings with them - both my horses are with them.
Over the years I've been with Pet Plan, NFU, Horse and Rider Insurance Direct; now with Shearwater.

I have a LOU TB. No one would insure him but they asked for his vet report and would fully insure him (just excluded his hock) for no more than I was paying pre-LOU.
They have paid out on every claim with no hassle and they covered 100% of the MRIs I needed.
They are also really friendly on the phone.
I asked my vet if they were an OK company and they said only positive dealings too.