Medical emergency account - The Horse Forum

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post #1 of 21 Old 01-06-2011, 10:32 AM Thread Starter
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Medical emergency account

Just came to my mind while reading another thread...

We often mention "emergency account". How much money do you think should be there?

I mean, colics here were I believe $300. When my paint hit herself on post right between front legs (very hard, so I ended up calling vet next day), as far as I remember it also was around $300 (call + bute + paste + evaluation).

Now if you have something serious (say urgent operation) it can go in thousands of $$....
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post #2 of 21 Old 01-06-2011, 10:36 AM
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I have an emergency account. I think it has $50 in it right now. I try to keep at least $300 because that seems like the going rate for your basic medical emergency. I got it up to like $1800 once but then I used it for training. Then I got it back up to $600... and then I got some more training... Now I'm at $50 and thinking about more training.... but it's not my training account it's my emergency account...

Beauty's big deal (with surgery and hospital stay) was around $4500 but for the most part, treated at the farm type stuff I'm thinking 300-500 is a good amount to keep on hand...

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post #3 of 21 Old 01-06-2011, 10:41 AM
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I don't have a separate account or emergency funds just for my horses. I do have an account with an "emergency fund" but that is to cover anything and everything that we could possibly have go wrong (job loss, vehicle dying, medical emergency, etc..).

I personally have 1 years salary saved in our emergency fund. Hubby has been laid off 4x in the past 5 years, we have 2 small kids, a large dog and 2 horses, so I wanted to ensure that if we had a real "emergency" we would be ok. When unexpected bills arise, I try my best to to pay them without using our regular income by cutting back in other areas that month. If I cannot, my goal then becomes to repay my emergency savings as fast as possible.
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post #4 of 21 Old 01-06-2011, 05:02 PM
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1 word - Insurance.

If I actually had to have a "fund" set aside for potential accidents, I'd ensure I had at least $10k on a consistent basis.
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post #5 of 21 Old 01-06-2011, 05:44 PM
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Luckily my horse is young, so he's insured. All I have to pay is the premium and deductible. I keep about $1,000 aside for things it does not cover. Blew through it by April last year treating Lyme.

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post #6 of 21 Old 01-06-2011, 05:47 PM
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Yeah same here Puck. Good point though - I don't really take into consideration the little stuff. I have one months board put away which would probably double as a semi-emerg fund if it was something small. $1k sounds reasonable for the small things that I wouldn't claim.
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post #7 of 21 Old 01-06-2011, 05:51 PM
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We did have $500 in an account for horse emergencies. But we had to spend it. We are slowly catching back up.

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post #8 of 21 Old 01-06-2011, 05:55 PM
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I personally feel that an emergency account should hold whatever your maximum is to spend on a vet bill, plus enough to pay for euthanization and removal of the carcass in your area.


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post #9 of 21 Old 01-06-2011, 06:10 PM Thread Starter
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Quote:
Originally Posted by MyBoyPuck View Post
Luckily my horse is young, so he's insured. All I have to pay is the premium and deductible. I keep about $1,000 aside for things it does not cover. Blew through it by April last year treating Lyme.
May I ask how much you pay/month and how it works? Can you go to any vet, or just vets "within" the insurance?
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post #10 of 21 Old 01-06-2011, 06:12 PM Thread Starter
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Thank you, All, for sharing! :)
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