Vet insurance, or I can relax now
 
 

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Vet insurance, or I can relax now

This is a discussion on Vet insurance, or I can relax now within the Horse Health forums, part of the Keeping and Caring for Horses category

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        06-26-2012, 06:02 AM
      #1
    Started
    Smile Vet insurance, or I can relax now

    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).
         
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        06-26-2012, 08:46 AM
      #2
    Yearling
    Are there age limits for the horse on getting insurance?
         
        06-26-2012, 08:54 AM
      #3
    Started
    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...
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        06-26-2012, 08:58 AM
      #4
    Trained
    Who did you go with?
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        06-26-2012, 09:04 AM
      #5
    Started
    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 :/
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        06-26-2012, 09:30 AM
      #6
    Weanling
    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!!! millions

    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
         
        06-26-2012, 09:52 AM
      #7
    Started
    Haha and I have total permanent disability and life insurance, Brock being what he is XD
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    OwnedByAlli likes this.
         
        06-26-2012, 10:00 AM
      #8
    Weanling
    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 that's 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 she's not going to cost me a few million any time soon *touch wood*
    EvilHorseOfDoom likes this.
         
        06-26-2012, 10:59 AM
      #9
    Started
    Yep, Brock's is 10 million - given he's like Houdini that's a very good thing!
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        06-26-2012, 03:07 PM
      #10
    Yearling
    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.
    EvilHorseOfDoom likes this.
         

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