Page 1108 - The Veterinary Care of the Horse

• The length of time that the insurance company will pay for the treatment of a long-term

problem. This is normally 12–15 months after the horse first developed the condition.
VetBooks.ir DISPOSAL COSTS

This is the cost of removing and disposing of your horse’s body following death or

euthanasia.

LOSS BY THEFT OR STRAYING INCLUDING RECOVERY FEES

The insurance company will pay the market value of the horse if it cannot be found plus a

contribution towards the cost of trying to recover it.

LEGAL ADVICE

Some insurance companies offer a 24 hour, 7 day a week helpline offering specialist legal

advice.

HIRE OF A HORSE

Some policies offer a fixed amount towards the hire of a replacement horse if your own is

incapacitated.

The following are also included on most policies.
• Personal accident.

• Dental treatment.

• Saddlery and tack.

• Loss of entry fees.

In general, the more comprehensive the cover selected, the higher the premium. It is
advisable to select the type of cover you require and obtain quotes from several companies.

Before making a decision, read the small print and check the details carefully.

Applying for insurance cover

The insurance company requires assurance that the horse is in good health at the inception of

the policy. You will be asked to sign a declaration of health or if the horse is above a certain
value or being covered for loss of use, a 5-stage vetting certificate may be required. In some

cases X-rays of the feet or particular joints (usually fetlocks, knees and hocks) will be
requested.