Whole life horse insurance

ycbm

ycbm

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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?
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I can't even begin to imagine the premiums :eek: 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.
 
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.
 
Widgeon said:
I can't even begin to imagine the premiums :eek: 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.
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£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.
 
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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.
 
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
 
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
 
Roxylola said:
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
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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.
 
Needtoretire said:
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.
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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.
 
ycbm said:
£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.
Click to expand...
New horse????
 
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