You learn something new everyday - insurance and pts

*hic*

*hic*

village idiot :D
Joined
3 March 2007
Messages
13,987
Visit site
Having been on the phone for three quarters of an hour setting up a new policy for my little pony I find that if you insure your horse for vet's fees and disposal in the event that your horse has an illness that results in pts the insurance company will pay for all vet's fee during the treatment of the illness and will pay a sum towards the disposal of the body but will not pay for the vet's time, injection fee and cost of drugs to actually do the deed.

That's with PetPlan, the agent couldn't tell me whether it's the same across all companies but it's certainly something I'd never considered before.

So that's my new thing I've learnt today!
 
Yes that is correct with all insurance companies... and they wont pay disposal costs (or a sum of money) unless your horse dies of natural causes or is PTS under the BEVA guidelines which are so strict that you probably wont get a pay out.

I've now taken out LOU on my insurance purely for this reason. It sucks :(
 
My policy specifically states that being pts and disposal is not included. Am with SEIB, but one of mine is 30, so hardly has any cover and the other has just had her LOU removed because she is 16.
 
I'm going through all this with Dylan's insurance at the moment ... I'm not sure how much more "within the BEVA guidelines" they want a displaced tibial fracture to be :(

Ours pay £150 towards disposal, but we (and the vet) are having to do some serious chasing.
 
jemima_too said:
Having been on the phone for three quarters of an hour setting up a new policy for my little pony I find that if you insure your horse for vet's fees and disposal in the event that your horse has an illness that results in pts the insurance company will pay for all vet's fee during the treatment of the illness and will pay a sum towards the disposal of the body but will not pay for the vet's time, injection fee and cost of drugs to actually do the deed.

That's with PetPlan, the agent couldn't tell me whether it's the same across all companies but it's certainly something I'd never considered before.

So that's my new thing I've learnt today!
Click to expand...

Interesting . . . . I always insure with NFU and when my filly had to be PTS they paid for absolutely everything including injection fee, drugs, disposal (she had to be cremated as she was full of sedatives, ABs etc so couldn't go to the Hunt kennels). All I had to pay was the initial excess
 
My horse was PTS last year under BEVA guidelines (colic).....I didn't have the option for disposal costs so I paid for that....they paid out for his life ( lump sum) but the vets costs were under my excess so I paid that myself. This was Petplan.
 
We had to have a horse pts in 1999 who was insured with PP.
He had fractured a bone in his neck which was pressing on the spinal column. If he was human he could have lived in a wheelchair.
PP said it was not a BEVA PTS and we didn't have lou so we got absolutely nothing apart from the vet's bills paid to investigate why he had lost control of his hind limbs.
 
With NFU and wasn't covered under BEVA guidleines - DDFT gone for 4th time and completely and utterly unsound on 3 x bute per day but guidelines states that if she could stand in a 12 x 12 stable 24/7/365 then it was not covered.

Will be checking what Public Liability cover BD membership gives me and cancelling my old geldings NFU insurance as not covered for vets anyway - wouldn't put him through anything at his age that would cost that amount of money
 
You must log in or register to reply here.
Top