Why...Oh Why!

_OC_

_OC_

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I ask if your horse is quite clearly 'not right',be it due to lameness,colic,cuts or what ever....do you call the vet out! I'm amazed as I've gone through my life around horses,the amount of owners that 'Just wait and see what happens!',thinking it might sort it's self out,and, I'm not talking minor problems,that yes,could wait a few days......I'm talking 'I think your horse needs a vet NOW!'...The other concern I have, is the amount of owners that don't bother with insurance......WHY!
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I think its down to differing perceptions of what is serious and what isnt. Some people will call the vert out if their horses mane is out of place ... others still wont if their horse can berely move!

As for insurance I know that for very expensive horses the premiums are just to high for people to be able to afford!
 
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As for insurance I know that for very expensive horses the premiums are just to high for people to be able to afford!

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just a thought, but perhaps this should be something considered when deciding whether you can afford to keep a horse at all.
 
Oh totally... I agree with that but I know that when I worked with horses worth sort of 100k plus (or so I was told) that the premium for insurance might of been £500 a month or there abouts... that may be totally wrong, but is what i was told at the time......
 
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As for insurance I know that for very expensive horses the premiums are just to high for people to be able to afford!

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just a thought, but perhaps this should be something considered when deciding whether you can afford to keep a horse at all.

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Exactly - some people seem to forget things like this, god if i didnt have my boy insured i would be in serious debt right now. Id rather pay insurance and protect my horse, if you cant afford to pay insurance then what about vets bills???
 
Ditto.....to me insurance is very important,and should be in the budget when considering buying a horse...not just for theft,vets bills etc,but, public liabilty more importantly!
 
I think they hope and pray..... and if they are a competition horse, if they have damaged themselves that badly and couldnt compete again then it would be the cheap option (bullet) anyway!!
 
I think they can OC but like I said the premiums are silly money on horses worth that much... and if you had say 3-4 of them realistically its not affordable!
 
really? well thinking about it, that does make sense. is it because they are too valuable or competing at such a high level makes them too prone to injury? you may not know sorry!
 
I don't understand how some people in this day and age still believe that insurance for public liability isn't necessary. Even my geriatric shettie is insured for this (I haven't got a hope of insuring for vet's fees, at 30+ years!).
 
I learnt the hard way about 12yrs ago when my pony needed a colic opperation. Luckly I had money saved to buy a car and I used it to pay her £4,000 vet bill.

All these people who aren't insured should think how they would feel if this happened to them, I had about an hour to decide what to do and I can't bear the thought of ever being in a situation were an animal would have to be put to sleep because I can't afford the vet bill.
 
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What about if you buy a cheap horse and it turns out to be really good and worth way more than you paid for it??

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You just up the cover,if proven,for example it was doing well in.... let's say jumping and you where able to prove it through it's competing records!
 
Going to play devil's advocate here though - totally agree that all should be covered for public liability, obviously, but re vets fees etc, I think it is up to the individual owners (NB all mine are insured for vets fees by the way, because I can't afford the unexpected expense!) but some people could afford this, and therefore it might be more expensive to insure than to pay out for vets fees if required. One of my horses has been insured 11 years at about £400 a year and touch wood, I've never yet claimed anything, and his previous owner made one claim for x rays of about £500 - now, we COULD have saved the all that money and had a 'slush fund' for vets fees, but I'm not very good at saving, plus it works both ways. OH's horse has only been insured 1 year, and we've just claimed about £3k for a damaged DDFT.
What I do agree is foolish is if people don't insure because they can't afford the premiums, as in this case, they presumably wouldn't be able to afford any vets bills, and that is silly. THat kind of money should be allowed for when onsidering buying a horse.
 
Lots of people have one or several horses without insurance (including me). It doesn't make us bad owners, and it doesn't mean we don't fork out for vets fee's when required, nor that we don't look after our horses properly.
I for one put money aside for such things and probably would have them all insured if the policies weren't so expensive and insurance companies didnt try and wriggle out of claims!
My horses and riders are BSJA members so get PL cover included.
 
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Some people will call the vet out if their horses mane is out of place ...

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If _OC_ did that the vet would have to set up residence!!!
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I ask if your horse is quite clearly 'not right',be it due to lameness,colic,cuts or what ever....do you call the vet out! I'm amazed as I've gone through my life around horses,the amount of owners that 'Just wait and see what happens!',thinking it might sort it's self out,and, I'm not talking minor problems,that yes,could wait a few days......I'm talking 'I think your horse needs a vet NOW!'........WHY!
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Ummmmmmmm save the cost of a call out/bullet!!!
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Insurance - public liability is essential (but can get through BHS gold membership or similar), others are luxuries/a gamble.

LOU/death of horse - often economically not worth it for an expensive horse, especially given difficulties in getting a pay out.

Vet fees - a bit of a gamble really, but given policy exclusions, where a horse has exclusions on them already, you'd be better off putting the equivalent amount in a 30 day notice savings account each month rather than paying out on an insurance policy that doesn't cover the most likely causes of vet fees anyway!

So there can be rational reasons for not insuring for vet fees. Another scenario would be where you have many horse, the cost of insuring all of them per month would cover a LOT of vet call outs/treatment!
 
im insured 3rd party, but my horses arent insured for vets bills, try getting vet cover insurance for 20 years old plus...
 
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The other concern I have, is the amount of owners that don't bother with insurance......WHY!
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No excuse for not having 3rd party/public liability insurance IMHO. This was highlighted brilliantly when another liveries horse escaped from the field and ran towards the main road..........could have been really nasty, but fotunately turned back before it got there.........the horse is nudging 30yrs old & retired, thus wasn't insured.....Is now!!!!
 
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LOL... is her horses mane a tad unruly????

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One word..............MOP!!!!
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Thank you my cob's mane is magnificent since it had the _OC_ touch
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....just don't understand why people keep saying 'He would look really nice hogged!' and leaving notes round the yard with a pic of him....and' 'www.hogthecob.co.uk' ....a equinehairdresser can easily be offened,you know!
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The other concern I have, is the amount of owners that don't bother with insurance......WHY!
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Regretfully there are probably quite a few owners out there who do have insurance, but because of previous claims and the insurers placing exclusions, its s*ds law that the horse will develop problems with the excluded area of their bodies. My pony has exclusions on all four legs (laminitis & spavins) so I can understand why some owners have to take the 'wait & see' stance. We're not all blessed with a bottomless wallet
 
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