Medical emergency account - Page 3 - The Horse Forum
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post #21 of 21 Old 01-09-2011, 01:23 PM
Green Broke
Join Date: Oct 2010
Location: Some times Llanelian - North wales, sometimes Hull in East Yorkshire (UK)
Posts: 3,703
• Horses: 5
yes and the covered risks in my policies case was anything except an act of terrorism or if I blatently neglected him. the 1500 was the sum insured (his value) for as that was the max I could insure a 20 yearold horse for, then there was the cost of removal (in the UK you cannot bury fallen stock).

Why doesnt it make sense that they would cover the 1500?? insurance is a gamble on both sides, you are betting that you will need the cover, they are betting that you won't. I've claimed for a horse who injured himself 6 weeks after I bought him. As I pay monthly for my premiums I had only paid about 60 when I made a HUGE claim (totaling very near the policy limit) and they paid it with no quibble. I've also paid 6 years of premiums on anouther pony and never had to claim.

So for stan I deffinately won the bet, I paid 800 (over the course of 3 years) they paid out close on 6000,
For ally I paid about 60 before the accident and 240 after (the rest of the monthly payments) and they paid out probably close to 10,000 direct to the vets (i never saw the bill my vet delt directly with petplan) SO I deffinatly won the bet there.

For pride who has been insured for 6 years and never had a claim I've paid 1200 so they won the bet there!

Legaly if it is covered by the policy and you have paid your premium for that year then the insurance company has to pay out.

I would never NOT insure.

RIDE your horse FORWARDS and keep him STRAIGHT

faye is offline  

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