Vet insurance, or I can relax now - The Horse Forum
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post #1 of 19 Old 06-26-2012, 06:02 AM Thread Starter
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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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post #2 of 19 Old 06-26-2012, 08:46 AM
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Are there age limits for the horse on getting insurance?
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post #3 of 19 Old 06-26-2012, 08:54 AM Thread Starter
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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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post #4 of 19 Old 06-26-2012, 08:58 AM
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Who did you go with?
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post #5 of 19 Old 06-26-2012, 09:04 AM Thread Starter
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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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post #6 of 19 Old 06-26-2012, 09:30 AM
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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

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post #7 of 19 Old 06-26-2012, 09:52 AM Thread Starter
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Haha and I have total permanent disability and life insurance, Brock being what he is XD
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post #8 of 19 Old 06-26-2012, 10:00 AM
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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*
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post #9 of 19 Old 06-26-2012, 10:59 AM Thread Starter
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Yep, Brock's is 10 million - given he's like Houdini that's a very good thing!
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post #10 of 19 Old 06-26-2012, 03:07 PM
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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.
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