Red-1
I used to be decisive, now I'm not so sure...
My advice would be, if you can afford it, to pay the bill and walk away initially. It will be less stress in the long run.
Having decided that, I would write to the vet detailing the inaccuracies in the vet record, and having the emails in correct order. I would ask for the inaccuracies to be righted.
As far as treatment is concerned, you don't pay the vet to be right, you pay for their opinion and time. He has given that. I may ask for a reduction in bill due to the fact that you asked for the suspensories to be scanned and he refused, but I would not expect to be successful as you could have insisted and moved the horse if he had not wanted to do it.
I have had to move my horse for a second opinion twice (2 horses, from the same vet, at different times). One for an eye condition that the vet thought was a minor irritation, but it proved to be a carcinoma, the other for what he thought was a melanoma and best left but I believed to be an unrelated cyst. Both were successfully operated on, the first vet was wrong, but I did not seek a refund from the first vet as he was doing his job to the best of his ability.
I would go somewhere new. I would sort out the issue of the vet record with the first vet. I would get a copy of what they intend to send the insurance company (but my company wanted the entire record of the horse, which included anything I had mentioned in general chat when having vaccinations). Then decide weather or not to pursue an insurance claim, be up front with them if you do not get the vet record corrected.
Insurance companies do accept that records can be wrong. The mare with the eye condition, the insurance company queried why they had not been told about the arthroscopy she had endured on her knee. She had not had that, or any issues with her knee. ??? The vet insisted she had. I was in a quandary how to proceed, but asked how I had supposedly paid for said arthroscopy? That was the thing that sorted it, as my financial account had no record of it.
After that they created a new record for my horse, but every year I wold get a vaccination reminder "Dear Mrs Red-1, this is a reminder that your horse, 'Not Her Horse' is due his/her vaccination."
My insurance wanted to strike her knees off my policy, but they did correct it, so if your horse has no preexisting conditions then having the record righted will allow a claim to go through.
Whatever the record and the jumbled emails, you may find that she is not covered if you have expressed concerns regarding unexplained busking/napping before this period of insurance anyway.
You will probably find that it is not worth insuring next year.
This will be less stressful if you have accepted that you have already written off the vets bill and any claim money is a bonus.
Having decided that, I would write to the vet detailing the inaccuracies in the vet record, and having the emails in correct order. I would ask for the inaccuracies to be righted.
As far as treatment is concerned, you don't pay the vet to be right, you pay for their opinion and time. He has given that. I may ask for a reduction in bill due to the fact that you asked for the suspensories to be scanned and he refused, but I would not expect to be successful as you could have insisted and moved the horse if he had not wanted to do it.
I have had to move my horse for a second opinion twice (2 horses, from the same vet, at different times). One for an eye condition that the vet thought was a minor irritation, but it proved to be a carcinoma, the other for what he thought was a melanoma and best left but I believed to be an unrelated cyst. Both were successfully operated on, the first vet was wrong, but I did not seek a refund from the first vet as he was doing his job to the best of his ability.
I would go somewhere new. I would sort out the issue of the vet record with the first vet. I would get a copy of what they intend to send the insurance company (but my company wanted the entire record of the horse, which included anything I had mentioned in general chat when having vaccinations). Then decide weather or not to pursue an insurance claim, be up front with them if you do not get the vet record corrected.
Insurance companies do accept that records can be wrong. The mare with the eye condition, the insurance company queried why they had not been told about the arthroscopy she had endured on her knee. She had not had that, or any issues with her knee. ??? The vet insisted she had. I was in a quandary how to proceed, but asked how I had supposedly paid for said arthroscopy? That was the thing that sorted it, as my financial account had no record of it.
After that they created a new record for my horse, but every year I wold get a vaccination reminder "Dear Mrs Red-1, this is a reminder that your horse, 'Not Her Horse' is due his/her vaccination."
My insurance wanted to strike her knees off my policy, but they did correct it, so if your horse has no preexisting conditions then having the record righted will allow a claim to go through.
Whatever the record and the jumbled emails, you may find that she is not covered if you have expressed concerns regarding unexplained busking/napping before this period of insurance anyway.
You will probably find that it is not worth insuring next year.
This will be less stressful if you have accepted that you have already written off the vets bill and any claim money is a bonus.
