About Us News Contact Us Online Quote Claims Privacy Policy Terms of Business

The KBIS Guide to Equestrian Insurance

Riding Horses

Bloodstock Insurance

Horsebox Insurance

Cat & Dog Insurance

Liability Insurance








To vet or not to vet?

Buying a new horse always involves a certain amount of risk: no horse is perfect.


The five-stage vetting process has evolved over decades and its aim is to achieve a cost-effective professional assessment of a particular horse's suitability to perform a certain task. We asked three of the country’s top equine vets for their opinions on the different aspects of the five stage vetting process.

Jeremy Mantell, a partner in the Liphook Equine Hospital, based in Hampshire and past president of the British Equine Veterinary Association recommends anyone buying a new horse or pony to have the animal vetted before making a decision to buy.

“The key to a successful veterinary examination is that you discuss what you want to use the horse for before the examination. A good vet will be able to identify, assess and quantify the risk to give you the information to decide whether or not to proceed with your chosen purchase,” he says.

“Bear in mind that no horse is perfect and that the examination will highlight imperfections - it is whether these will affect the performance of the horse that you must discuss with the vet and insurance company before deciding whether or not to buy.”

Ian Camm, of the Bushy Equine Clinic in Gloucestershire, emphasises that a horse is always vetted with the owner’s specific use in mind. – “A common scenario is that a horse is bought for hacking, the rider grows in confidence, and then the horse is stretched into jumping - which it was not originally vetted or bought to do. Meanwhile, the horse develops a physical condition that could result in costly vet's fees and loss of use - then the owner starts to question why this was not picked up in the vetting process.”

“An old settled tendon injury for example is unlikely to bother a horse for hacking, but it may not stand the strains and stresses of jumping. It is also important to talk about the results of the examination in the context of the horse as a whole with this in mind it should help towards a happy purchase.”

The vetting process looks at the physical condition of a horse on a particular day, following a UK standard procedure with a form completed. But, as vet Dr Sven Kold, an equine orthopaedic specialist with the Willesley Equine Clinic in Tetbury, Gloucester explains, “the success of the vetting process is to look at cases in an individual light and evaluate any risk that arises in a positive way. I spend about one and a half to two hours on the examination. The horse is first checked out of the stable - eyes, ears, lungs, heart etc. I also look at the horse standing, walking, trotting ideally on different surfaces and examine the horse under saddle.”

“Having completed the vetting and produced a detailed report I would advise owners that it is essential to clarify with their insurer if any of the results will impact on the insurance. With Kbis we get a knowledgeable and helpful response which makes our life much easier.”

Communication is key!

All three vets point out that the five-stage vetting process does not protect you against anything ever going wrong. In fact it would be more useful for the vetting examination to be thought of as a risk assessment.

The pre-purchase examination continues to respond to changing needs; however the key to any successful examination remains the same - communication between buyer, vet and Insurance Company at all stages.

For further information contact any one of the vets at the numbers below, or visit Liphook Equine Hospital’s website: www.liphookequinehosp.co.uk

Jeremy Mantell, The Liphook Equine Hospital, Hants. Tel: 01428 723594

Sven Kold, Willesley Equine Clinic, Tetbury, Glocs. Tel: 01666 880501

Ian Camm, Bushy Equine Clinic, Glocs.         Tel: 01453 811867

Knowing that your insurance company is knowledgeable about horses is a godsend - otherwise you could end up with unnecessary exclusions.

 

(c) KBIS Equestrian Insurance. Website maintained by ASAP Computer Services.