Whole life horse insurance

[ycbm]

This has been available for cats and dogs for some time, and there is now one company offering this for horses, Agriapet from Sweden.,. Yes it's expensive, but it ends the "got 12 months to get this treated" and the "so many exclusions it's not worth insuring" problems. Though I would be interested to know how the premiums rise if you've got a horse with ongoing issues. Preexisting conditions aren't covered, of course.

Has anyone got this cover?
.

 

[Widgeon]

I can't even begin to imagine the premiums But interesting that this company reckon it's financially viable for them to provide this kind of cover. I wonder whether it'll be popular.

 

[rara007]

They’re not that wild, though there’s a hefty Co-payment and not wild limits. Don’t know anyone in their second year with them… think it’s pretty new.
If my next one is posher than a hairy cob I’ll be very tempted. As it is I’ve stuck with ‘normal’ for him for this year.

 

[Ossy2]

Given my dogs life time policy got to nearly £2000 per year after he had some treatment on a leg I’d hate to think what the premiums are for a horse ?

 

[ycbm]

I can't even begin to imagine the premiums But interesting that this company reckon it's financially viable for them to provide this kind of cover. I wonder whether it'll be popular.

£70 a month for horse at £10k, 7 years old, jumping to a metre, with £140 excess and 25% you pay yourself was a quote I got last night.

Much less than I was expecting but you do need a cap on premium rises to make it work. There's no point in not excluding if the price goes up by the cost of medication of the condition, for example.

 

[ycbm]

Given my dogs life time policy got to nearly £2000 per year after he had some treatment on a leg I’d hate to think what the premiums are for a horse ?

That's the wrinkle I was afraid of.

 

[Needtoretire]

Can I open this thread up again please and ask if anyone has a horse insured with Agriapet life time horse policy.

I am looking at it now for a pair of horses, valued at 1k happy hackers with a huge history of past claims.

 

[Roxylola]

They'll exclude anything relating to past claims. If you have for instance a diagnosis of hock arthritis they'll likely exclude arthritis entirely.
It's a 25% Co pay on top of the excess on any bills as well
Anecdotally they seem pretty decent about paying generally though

 

[ihatework]

I’d be really interested to hear of anyone that has taken out a policy - had biggish claim and to know what the premium increase has been like over the slightly longer term?

I like the concept, but I fear to make it financially viable there will be an exponential rise in premium post claim

 

[asmp]

Just realised I left an emoji on an ancient thread

 

[Needtoretire]

They'll exclude anything relating to past claims. If you have for instance a diagnosis of hock arthritis they'll likely exclude arthritis entirely.
It's a 25% Co pay on top of the excess on any bills as well
Anecdotally they seem pretty decent about paying generally though

Both have plenty of history with the vets, one worse than the other. Both are not viable to insure with the main stream providers anymore, ie, £1500 to cover a very small amount of horse left. I am thinking I need to perhaps look at third party cover for the hacking out.

 

[ihatework]

Both have plenty of history with the vets, one worse than the other. Both are not viable to insure with the main stream providers anymore, ie, £1500 to cover a very small amount of horse left. I am thinking I need to perhaps look at third party cover for the hacking out.

If you want some cover then something like KBIS catastrophe cover for £300/pa may be worth considering. It covers external wounds/accident stuff plus joint flush and colic surgery (provided they don't have colic surgery history). Now you may or may not consider surgery if they have quite a bit of medical form, but it's a pretty good policy as an inbetween.

 

[Roxylola]

@Needtoretire I'd look at kbis, world horse welfare, or Harry Hall - they all offer catastrophe cover and 3rd party liability

 

[blitznbobs]

£70 a month for horse at £10k, 7 years old, jumping to a metre, with £140 excess and 25% you pay yourself was a quote I got last night.

Much less than I was expecting but you do need a cap on premium rises to make it work. There's no point in not excluding if the price goes up by the cost of medication of the condition, for example.

New horse????

 

[ycbm]

New horse????

Thread is 2 years old.

 

[poiuytrewq]

New horse????

I instantly thought the same then realised it had come up from ages ago!