Veterinary medicine has, in recent years, become increasingly sophisticated. We are able to diagnose and treat many conditions that a few years ago would have remained undetected with often fatal consequences. The down side of these advances is cost with many cases running into the hundreds of pounds, complex cases may exceed one thousand pounds. Equine specialisation on the mainland, has allowed horses to access levels of equipment, facilities and veterinary expertise only dreamt of twenty years ago. Similarly, modern equine drugs are far more effective but this technological improvement is reflected in cost.
One of the most distressing situations we find ourselves in, is where the owner's financial situation puts constraints on the level of treatment that we can offer, resulting in reduced clinical success or reduced life expectancy.
That's where pet insurance comes in. Veterinary fee cover can help you to avoid such situations. When choosing an insurance policy, there are several features that you should consider carefully:
1. Check that the veterinary fee cover is adequate.
2. Check that there is no limit on how long you can claim for each illness, chronic conditions can go on for life. Many policies are annual policies , not life cover policies.
3. Check that your horse will still be covered in later years and that there is not a 'cut off age' where the policy ceases to insure your pet.
What won't be covered:
Like your household or car insurance, horse insurance also has a small excess which you will have to pay on a claim. Vaccinations and routine treatments such as worming are also excluded. If specialist care is required, many insurers will not pay for transport or time in livery.
Just as the British Equine Veterinary Association, our practice endorses the concept of horse insurance and we thoroughly recommend it to our clients. Our interest is to ensure that we do not have to compromise the quality of veterinary care on the basis of cost.
We believe that all horse owners should carry ‘third party’ insurance, irrespective of age, type or usage of the horse or pony. It appears to be a misconception that your household policy will cover for all eventualities. If your horse escapes from its field and causes a road accident you may well not be covered and more than likely at risk of being liable!
There are many companies offering equine insurance. In our experience some have proven to be more efficient and understanding than others. Recommendation of good, prompt, claims settlement from friends, is a good way to chose, once you have examined and evaluated several competing companies policies.
taken from Horse Health.