The second opinion

I'm with those that recommend the full lameness investigation while he is still insured, if the buyer is still crazy enough to buy a lame horse without specific knowledge of what is causing the lameness. If the lameness reoccurs or worsens then even if the buyer plays for horse insurance it will be excluded immediately and will be no longer covered and the oppotunity will be lost.

All horses eat money and only the very small amount of professionals ever make money on a horse. And why have horse insurance if your not prepared to pay the excess.

I'm out of pocket with my horse every day, who here is not?
 
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It sounds that both your vet and and your buyer are happy to get the horse shod, and take it from there. That's absolutely fine OP :).

There's no need to make it any more complicated than that if all of you who are there at the sharp end are fine with it.

Asking advice on a forum like this will always bring up a bucket load of different opinions to sift through, and I'm sure it can seem a bit overwhelming at times.

He looks like a sweet horse, the buyer is still keen on him so all the best.
 
SatansLittleHelper said:
Also Im not saying I wont get all the tests done etc but by the time I have paid for transport to vets and excess etc Im going to end up severely out of pocket. I have already lost several hundred pounds :(
That said, the welfare of the horse is very important so please dont think Im being completely heartless :o
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You may find that your insurance will pay for transport to the vets, mine will either pay the costs of a transport company or pay me £1 per mile to take him in my own lorry.
 
Check with insurance first, just to be on the safe side. Tell them the date it was spotted - the day of the first vetting - and take it from there.
 
I wasn't going to butt back in here, but as to whether the insurance company considers it a pre existing condition depends on what is found. Just because OP didn't notice a lameness doesn't mean it wasn't there at the time of purchase, as the horse wasn't vetted, and she hasn't owned him very long.

So if it is a new condition, yes the insurance should pay. But if it is one the horse already had when purchased, then no. This can get messy as it is not always clear cut when exactly a condition started but it can give the insurance company plenty of wriggle room to get out of paying.

If the horse was mine, I would have the work up no matter what the insurance company said, for my own piece of mind. But he isn't mine.
 
I can see both sides .
Op is insured so there's no reason to wait her buyer however will not have the luxury of insurance as it would be fraud to insure to when you know it's lame.So not working up means either running the big risk of losing the sale or the buyer taking on the horse not knowing what the issue is .
On the other hand if a set of shoes fixes the issue problem solved .
However the horse has still failed the vet and The new owner still has the insurance issue.
 
Right the buyer has now backed out which is perfectly understandable and actually takes some pressure off for now.
My final plan of action is this:
Tomorrow morning call PetPlan and find out the status quo in regards to insurance.
Book horse in for every test under the sun.
Act appropriately depending on findings.
If nothing definitive is found get farrier to shoe horse.
If problem is fixed/fixable then do the necessary and re advertise horse as I still want to part with him.
If problem not a resolvable issue then realistically I will probably PTS.
Does this sound reasonable??
Although I do like the horse I am not terribly attached which means I can make choices based on facts etc rather than emotion.
 
Sounds very reasonable to me.
Do you have an equine centre of excellence you can get your vet to refer him to.
E.g my equine vet refered me to peter at shelf equine unit in Halifax as he is renowned to get to the bottom of lameness issues, and he did, all insurance paid off course.
 
So sorry you are having to go through this .... what a nightmare, though your last post listing your plan sounds pretty spot on to me. JillA is in Shropshire and so may know who is good in that area too ... i`ll send her a link to this thread.

It is better to get nerve blocks/x rays and have a definitive answer than it all be flosting about in the air with ifs buts and maybes.

I`m sure the insurance will cover you. He wasn`t lame whan you bought him, and hasn`t shown any signs of lameness until the vetting, and even then it`s on a tight circle etc, so ring them and talk it through. Petplan paid out for my old mare (boney spurs).
 
daisysp8 said:
So sorry you are having to go through this .... what a nightmare, though your last post listing your plan sounds pretty spot on to me. JillA is in Shropshire and so may know who is good in that area too ... i`ll send her a link to this thread.
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Thanks Daisy:) Fyrnwy are the equine referral practice for the northern part of Shropshire, Leahurst is the gold standard and really only just up the road but mega expensive. My vet is Mark Siddle of SVS (Wem area) -equine practice and he has a mobile unit with x rays and scanner he brings to you, so he might be a useful starting point. It depends your existing vet TBH - who do they use as referral?
 
Hi thanks all. JillA I have gone with your recommendation, thank you :)
So basically I have called the insurance company and informed them and spoken to my own vet and got a referral to Siddle Vets.
Mark is coming out tomorrow lunchtime and we will go from there so fingers crossed for him.
Also pretty please send some famous HHO vibes for my little girl who is seriously ill in hospital again :(
Its going to be a very long week :(
 
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