Chumsmum
Well-Known Member
My insurance is due for renewal this month and I'm contemplating what to do about my older pony regarding vets fees etc. Money is tight as I have 3 other ponies so every penny counts at the moment.
He is 18yo and is semi retired with Bone Spavin - gentle hacks up to an hour is all I think he is capable of though somedays he has other ideas lol. I'm waiting for him to tell me when he has had enough and he will be fully retired - he has a home for life with me.
Even though he is insured for loss of animal and vets fees at the moment I've already made my mind up that I wouldn't put him through any major surgery (thinking colic mainly) as I don't think it would be fair on him to be weeks on box rest etc - he lives out 24/7 and gets very stiff if stabled for a long time plus I know he would be very miserable etc - I owe him too much, he is my world.
I know it's like saying how long is a piece of string but what other scenerios would I need to think about and what are typical vet costs - thinking along the lines of Cushings etc?
The insurance excess is £200 so a 'normal' call out isn't covered anyway. I'll be saving approx £35 a month if I don't insure him. I could borrow money in an emergency but wouldn't want to borrow thousands. My ponies are all insured for public liability via BHS so that isn't an issue.
Thanks for any thoughts / replies.
He is 18yo and is semi retired with Bone Spavin - gentle hacks up to an hour is all I think he is capable of though somedays he has other ideas lol. I'm waiting for him to tell me when he has had enough and he will be fully retired - he has a home for life with me.
Even though he is insured for loss of animal and vets fees at the moment I've already made my mind up that I wouldn't put him through any major surgery (thinking colic mainly) as I don't think it would be fair on him to be weeks on box rest etc - he lives out 24/7 and gets very stiff if stabled for a long time plus I know he would be very miserable etc - I owe him too much, he is my world.
I know it's like saying how long is a piece of string but what other scenerios would I need to think about and what are typical vet costs - thinking along the lines of Cushings etc?
The insurance excess is £200 so a 'normal' call out isn't covered anyway. I'll be saving approx £35 a month if I don't insure him. I could borrow money in an emergency but wouldn't want to borrow thousands. My ponies are all insured for public liability via BHS so that isn't an issue.
Thanks for any thoughts / replies.