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Susan Bailey

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Hi I am currently loaning a horse but am thinking of buying my own but am not sure what vets to choose as would need one that could claim to insurers on clients behalf and I would pay excess does anyone know ?
 
I think you need to chose the insurer as much as the vet. Vets will often only do this with reputable insurers who are more likely to pay out. I don't think you can totally rely on it though. What will you do if the insurer will not pay as can often happen?
 
You select the vet on his vetskills, you are ultimately responsible for the bills. Many vets will deal with it for you if you are using a company they also recommend. Few/none will deal with E&L[and associates by another name]. If you are short of money, maybe stick with loaning.
Insurance is not a coverall and not for ever.
 
Ok thank you for your advice I have Barclaycard which I am clearing first anyway that would be my emergency back up because I'm sure most people do not have thousands of pounds in their savings
 
Ok thank you for your advice I have Barclaycard which I am clearing first anyway that would be my emergency back up because I'm sure most people do not have thousands of pounds in their savings
 
Many people self insure - put the equivalent of the monthly premium in a separate account and only use it for vet bills - if you are lucky you will keep it all, if not at least you have a fall back sum. You have to be disciplined and set up a standing order.Then get public liability free with membership of BHS or WHW.
 
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