Veteran insurance

[ILuvCowparsely]

On the way back from RVC yesterday, I thought I had better check the insurance to cover the colic bill. I have been with SEIB for years as it at least 2002 or before., recently I checked my horsebox and found they were £ 100 more than the rest, then checked my 4x4 and found the insurance was £54 a month, so found AA was £ 14 per month. Now the last policy my mare L, was £ 35 per month, so checked if colic was covered and they said no as when she got a bout of laminitis in 2001 they moved aged 11 to veteran and that wasn't covered since it was a pre existing condition. I said Jeeze it happened today for the first time, she is still at RVC. Since when has laminitis justified moving a horse from basic to veteran and cause colic surgery not to be covered.


Serious thinking of changing or canceling. Are there any good veteran insurance companies which cover for this.

 

[Polos Mum]

Veteran policies are typically limited in scope (and hence cheaper) - £35 a month is pretty cheap these days sadly.

They should have asked you before moving. You could argue that you didn't know - but presumably it's been in the paper work for the last 20 renewals ?

I know people with veteran horses how are refusing to move to veteran policies and as they have been with same insurance co for years - they are OK with that.

But finding a new veteran policy to cover colic how she's had it - I think will be almost impossible. Sorry

It is the insurance companies job to pay out less than they get in - otherwise the go bust. so they avoid what they can.

 

[dorsetladette]

Maybe look at Harry Hall insurance. They do an add on to cover colic - but read the small print as I'm not sure what is covered in a 'normal' policy to compare it.

 

[KC31]

I changed mine to Petplan veteran. Very few will cover anything other than external injuries, but theirs was the best and cheapest.

 

[Tiddlypom]

The mare who is currently in the RVC with colic had laminitis in 2001 age 11? Is that a typo?