To insure or not?

[Cortez]

My pony had a few sarcoids, treatment came to about £6000. Insurance paid £5000 of it. No way would I put a healthy young horse down for something like this!

...whereas here I've had six sarcoids treated for a total of £320 (including Liverpool cream): this is the difference between having insurance, and having sensible advice and treatment

 

[teddypops]

...whereas here I've treated six sarcoids on a horse for a total of £320 (including Liverpool cream): this is the difference between having insurance, and having sensible advice and treatment

Not really! That was for 4 different rounds of treatment, BCG and Liverpool cream. The vet visits alone cost a fortune as they were every 2nd day for 10 days with each round of treatment. That is not really the point though.

 

[blitznbobs]

I don't insure, for my horses and dogs - the premiums would add up to about 3800 per year - I would pay sensible bills... I wouldn't put a horse thru major surgery... nor would I treat laminitis for very long - I just pay the bills when they arrive but so far I'm up over the years... if you can't afford to pay the bill that falls on the mat, insure. If you are going to want to explore every possible treatment option, insure otherwise I'm not a great fan of animal insurance.

 

[Cecile]

I don't insure, for my horses and dogs - the premiums would add up to about 3800 per year - I would pay sensible bills... I wouldn't put a horse thru major surgery... nor would I treat laminitis for very long - I just pay the bills when they arrive but so far I'm up over the years... if you can't afford to pay the bill that falls on the mat, insure. If you are going to want to explore every possible treatment option, insure otherwise I'm not a great fan of animal insurance.

I agree with this ^^^

I buy premium bonds instead of insurance and I would hate to jinx this but *Ernie* pays quite good rates to them sometimes