Originally Posted by EvilHorseOfDoom
I have it and I'm an Aussie. Paying about 70 a month for low excess. I haven't had need for it in the short time I've had it but it's nice to have in case something major like colic happens. It also covers me for carcass removal.
I'll still pay all the smaller bills anyway, this just gives me comfort in the fact that I'll be able to provide Brock a full set of options if something major occurs.
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That's kind of my feeling - no way would I be able to pay for colic surgery or something, so if I didn't have it and my horse needed surgery then I would lose my horse for sure. It's expensive, but surely better to have it. However, my previous instructor had a weird view on it - she thought that if the horse got colic or something, then it would be cheaper to have it put down and buy a new one... And I was like, yeah but... :/ She had some weird views about things.
EvilHorseOfDoom, do most people in your area have vet insurance?
I do feel that in the long run it probably won't actually save any money, but I kind of think of it as spreading the cost out.