DorothyJ
Well-Known Member
Hi, I am in two minds about whether I continue to insure my mare or just put some money aside to cover vets bills instead. Would welcome any thoughts!
My mare was investigated for back soreness and has slight lumbar impingement at L2/L3 (loin area). She has had a corticosteroid injection and is doing well. I am building her up as much as possible and all is going well. She seems very happy in her work and the vet is pleased that the inflammation and pain has gone. Hopefully she will be back better than ever and we will be back out competing soon.
Insurance has covered back x-rays and a bone scan and accepted the claim. Of course now though they have placed exclusions on her policy, which I have questioned the extent of, but they are unable/unwilling to restrict at all.
As she has had some back treatment, all of her back, spine and pelvis is now excluded (not just lumbar as I requested)
My mare has a small splint so now all 8 splint bones are excluded. (I queried this and suggested just the leg with the splint, but again no go)
As the bone scan showed mild IRU (radiopharmaceutical uptake) in both front pedal bones, all 4 hooves are now excluded.
So basically her hooves, splint bones and entirety of her spine now not insured. Insurance was costing me £420 per year (standard insurance, not loss of use) but I suspect the premium will go up now I have made a claim. Would you continue to insure or self-insure instead? If I continue to insure she remains covered for colic surgery and any ligament/tendon injuries.
Any thoughts most welcome! If I shop around to look for a policy with less extensive exclusions, would I need to have her 5 stage vetted again? How does swapping insurers work?
Many thanks
My mare was investigated for back soreness and has slight lumbar impingement at L2/L3 (loin area). She has had a corticosteroid injection and is doing well. I am building her up as much as possible and all is going well. She seems very happy in her work and the vet is pleased that the inflammation and pain has gone. Hopefully she will be back better than ever and we will be back out competing soon.
Insurance has covered back x-rays and a bone scan and accepted the claim. Of course now though they have placed exclusions on her policy, which I have questioned the extent of, but they are unable/unwilling to restrict at all.
As she has had some back treatment, all of her back, spine and pelvis is now excluded (not just lumbar as I requested)
My mare has a small splint so now all 8 splint bones are excluded. (I queried this and suggested just the leg with the splint, but again no go)
As the bone scan showed mild IRU (radiopharmaceutical uptake) in both front pedal bones, all 4 hooves are now excluded.
So basically her hooves, splint bones and entirety of her spine now not insured. Insurance was costing me £420 per year (standard insurance, not loss of use) but I suspect the premium will go up now I have made a claim. Would you continue to insure or self-insure instead? If I continue to insure she remains covered for colic surgery and any ligament/tendon injuries.
Any thoughts most welcome! If I shop around to look for a policy with less extensive exclusions, would I need to have her 5 stage vetted again? How does swapping insurers work?
Many thanks