Page 1110 - The Veterinary Care of the Horse

14 days of insurance cover. It is very important to obtain accident and public liability cover

from the time you take over ownership of the horse.
VetBooks.ir REPUTATION OF THE INSURANCE COMPANY

Some insurance companies are helpful and quick to process claims whereas others can take

considerably longer. It is worth asking other horse owners for their experiences.

Making a claim

As soon as the horse becomes ill or is injured, the insurance company must be notified. Many

insurance companies can now be contacted 7 days a week.
This ensures that in the event of an apparently simple case becoming more serious, the

insurers can be certain the horse has received appropriate veterinary treatment from the start.

It may be helpful to record details of the vet’s visits, telephone conversations with the
insurance company and to keep copies of letters sent in a safe place for future reference.

A claim form is sent for completion by the owner and the attending vet. The vet will fill
in details concerning the diagnosis, treatment and costs involved. This may incur a small

charge that cannot be claimed back from the insurance company.

At the end of treatment, a veterinary certificate may be required to confirm that the horse
has made a full recovery and is back in full work.

Exclusions

WHAT IS NOT INCLUDED?

There are certain procedures that the insurance company will not pay for. These include:
• castration and any of the complications associated with this routine procedure unless

emergency treatment is necessary to save the horse’s life

• removal of wolf teeth
• treatment to help a mare conceive.

In some cases they will not pay for:
• hospitalization; some insurance companies exclude this and consider the fees to be part

of a horse’s daily living expenses
• transport to a veterinary hospital

• post mortem examinations, unless specifically requested.