Our third and final instalment on the importance of equine insurance, in partnership with one of the UK’s top horse insurance providers Petplan Equine.
Following some of our readers’ questions, we take a closer look at multiple claims and exclusions on your policy as we continue to understand more about horse insurance and why it is a crucial part of providing the best care for your horse.
Demystifying multiple claims on one policy
Horses are unpredictable animals and can often have more than one condition or injury at the same time.
Some horse owners are unsure how insurers process multiple claims which are either several claims related to a continuing condition or separate claims related to different conditions, for the same horse.
Here, Petplan Equine explains more.
If your horse has an illness or injury which you have made a claim for and it requires further treatment, you or your vet will need to complete a Continuation Claim Form. Some insurance companies may differ but at Petplan Equine you have 12 months to claim from the onset date of the condition and you only pay an excess on the first claim.
Petplan Equine Ambassador Laura Graham tells us about her experience with a continuous claim: Our homebred Amber was a horse of a lifetime. He was really playful and loved to try and escape by pushing past the wheelbarrow when we were mucking out.
Out of the blue, with no apparent injury he developed Septic Arthritis in his hock. We worked with our vets to try to save him over quite a lengthy period of time.
He received multiple hock joint washouts under general anaesthetic and antibiotics were administered to try and cure the infection, but sadly we made the heart-breaking decision to put him to sleep.
As Amber was having ongoing treatment for his condition, I was a bit unsure how to manage a continuation claim with my insurance company, but it was a really simple process with our vets liaising directly with Petplan Equine and talking me through any documentation received. Having been insured with Petplan Equine we were able to try every course of treatment possible and it took away the worry of not being able to pay for his care at a very stressful and emotional time.
Multiple claims for unrelated conditions
Submitting several claims on one policy for unrelated conditions may seem a little daunting but don’t worry, this is quite common and your policy provides a set amount of money per condition.
Readers question – “My horse is always getting into mischief! He has recently injured himself quite seriously in the field after fighting with another horse and on top of this is currently going through treatment for ulcers. How is this resolved with my insurance company?”
A: We know that some horses just seem to be accident prone and always getting themselves into trouble. At Petplan Equine we are here to support you and if you have any questions about multiple claims our team are on hand to offer you guidance.
For each unrelated condition you claim for you will have to pay an excess as outlined in your policy when you claim under Veterinary Fees. The excess will then be deducted from the initial treatment cost. The cost of the treatment will then be subtracted from the total Veterinary Fees limit for that condition which has been agreed on your policy. Petplan Equine offer a fixed excess with no additional percentage to add. This means that you know in advance how much you need to contribute towards the cost of a claim. Some insurance companies have policies with percentage excesses so the amount you need to pay increases with the cost of the claim which can be quite substantial in the event your horse needs extensive treatment or surgery.
What are exclusions on a policy?
An exclusion is a condition, group of conditions or event that is usually covered under a policy but isn’t for your horse due to their previous veterinary history. It is important to tell your insurance company everything you know about your horse’s veterinary history. The more your insurer knows about your horse the more accurate the exclusions will be
Readers question – “If my horse has already been treated for Colic, can it still be insured?”:
A: Every policy is assessed on an individual basis and this will be determined by your insurer, so it is always worth discussing it with them. If your horse has received previous treatment for Colic you would need to speak to your insurer to find out if you have an exclusion for this on your policy. For Petplan Equine some exclusions are temporary and may be removed once your horse has been symptom free for a required length of time. Even when an exclusion is assessed as permanent, it can sometimes be narrowed down.
To find out more about horse insurance, visit the Petplan Equine website
Terms, conditions and excesses apply. No cover is provided for pre-existing conditions. Petplan Equine is a trading name of Pet Plan Limited and Allianz Insurance Plc.