Page 1107 - The Veterinary Care of the Horse
P. 1107

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        Figure 25.1 Loss-of-use freeze brand



        VETERINARY FEES

        Policies  differ  in  the  amount  of  cover  they  provide  and  most  insurance  companies  offer
        several levels of cover. You need to check the following.

        •    The level of cover that best matches your needs.
        •    The maximum amount that can be claimed per incident.

        •    If there is an upper limit to the amount claimed in any year.

        •    Whether the policy covers complementary therapies such as acupuncture and chiropractic

             and treatments such as physiotherapy and remedial shoeing.
        •    The  ‘excess’  for  each  claim.  This  is  the  amount  of  each  claim  that  you  have  to  pay

             yourself  and  it  varies  between  insurance  companies.  If  two  unrelated  conditions  are
             diagnosed at the same time, you are likely to have to pay two excess fees.
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