Just purchased vet insurance, $70/mth for up to $10,000 with a $200 excess and also covers removal of the corpse if the worst ever happens *crosses fingers*.
Feel soooo much better now - I have more financial responsibilities (of the human kind) than just my horse and it would have been horrible if two separate emergencies had coincided, Murphy's law being in play, and I only had enough in savings for one. This way I can at least know one of them's covered. And I'll barely notice 70 a month.
Anyway, just thought I'd share my quiet relief (and recommend it as a good idea). :thumbsup:
Probably. Might differ between insurance companies too. Mine is an 8yo so not a problem, but I'd think it'd be very difficult to get approval for a 25yo. Or there might be a high premium... Posted via Mobile Device
Pet Plan (I'm in Australia). I have 3rd party and liability with them too - had to get that when he was stabled as supposedly people can even sue you because they were 'traumatised' seeing you come off your horse :/ Posted via Mobile Device
Public liability is probably the most important one to get covered for money wise. Its incredible how much money someone could get out of you for putting a dint in their wingmirror or summet!!! :shock:millions:shock:
I think Alli could be covered by 3 different insurers haha horse insurance, my insurance and mum's got BHS gold membership which gives her and Alli cover! Hopefully we're safe haha
Ok, that link to british home stores wasn't put on by me haha. I think the grand total of Alli's public liability is about 7million... I guess thats a good thing seen as she's got out onto the road twice in 18 months due to other people not tying gates/assuming a horse with a rug blown over its head wont bolt... Oh well, at least shes not going to cost me a few million any time soon *touch wood*
For the US types, insurance can also include small fees for coverage related to major medical which also covers colic surgery. My cost is $534/yr and covers the major medical (which really can be any claim for medical care beyond routine medical), colic surgery/recovery to something like $10,500 (surgfery and follow-on care), accidental death to the level I specified (which in this case was the purchase price for the first year with option to increase that upon renewal..standard to the policy) as well as loss of use (though if you keep the horse the amount paid is only 50% of the insured amount).
Of course. with any insurance company, if you have a claim or upon renewal indicate some injury that had vet check, like a bump of the eye, the insurance unserwriter will place that as an exemption in the new policy.
I've got my youngster insured with Pet Plan, he cost me a fortune to purchase so I'm not taking any chances!!!
Just be aware that insurance doesn't mean they'll automatically pay out at the slightest bill - you want vet reports etc. and it can be a very tedious process. I am actually contemplating dropping my insurance once my youngster is broken in, my premium will increase to a very hefty amount, particularly if I want loss of use insurance.... hmmmm guess I'll cross that hurdle when I get to it.
Yep, I'll be paying most of the smaller ones myself anyway, even if I can claim, just because it'll keep the insurance company happier. It's more there for a bad colic incident or if he shreds himself somehow (kept behind wire tape, no barbed wire on property but they find ways of doing it...).
Have also heard awful stories about people whose horses have passed away, who then had to fork out significant amounts to get the body removed and dealt with. Last thing you want when you're emotionally distraught...
Yep, I'll be paying most of the smaller ones myself anyway, even if I can claim, just because it'll keep the insurance company happier. It's more there for a bad colic incident or if he shreds himself somehow (kept behind wire tape, no barbed wire on property but they find ways of doing it...).
Have also heard awful stories about people whose horses have passed away, who then had to fork out significant amounts to get the body removed and dealt with. Last thing you want when you're emotionally distraught...
That needs to be done, insurance or not unfortunately. I've had the displeasure of having to go through that 3 times now - you're always going to have to organise disposal of the body whether you've got insurance or not. Its the nature of owning horses.
Chocolate is definitely required, though if you're old enough, something a bit stronger works much better :P
My 3 horses were not insured at the time of death and yes, it was rather expensive. My last gelding cost me nearly $600 in all to have him put to sleep and buried. Plus the copius amount of vet bills in the lead up.
Yep, lost many birds in my years as an amateur breeder, didn't get any easier each time. Hot chocolate as a kid, a few glasses of hot toddy or beer when I got older...
Wow - big purchase! You might also want to look at Pet Assure (I have them from my employee benefits) in addition to pet insurance.. they cover (a percentage of) preexisting and don't have deductibles.
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