Selecting which level of cover is most suited to your situation can be difficult, especially when there are so many different options available. Below we have produced a simple guide designed to help you when choosing a suitable Vet Fee option for you and your horse.
Step 1 – Choose the type of cover
The ‘Type of Cover’ refers to the level of coverage provided, so whether you have full cover for accidents, sickness and disease or more limited cover for accidents only. Your horse’s age and the activities you use him for will affect what cover options are available to you.
The lowest level of cover to consider is accidental, external injuries only. This will cover you should your horse have an accident which results in an open wound requiring veterinary attention, for example getting kicked in the field.
Due to the restrictions in cover this is the cheapest vet fee option on the market. It may be a suitable consideration for those with an older horse or one in retirement, where perhaps if that horse were to go severely lame or colic and require an operation or treatment, the owner may feel that due to its age, they would not want to put it through the trauma of surgery. It could also be a sensible choice if your horse has a large number of specific exclusions, due to pre-existing conditions, because you won’t be paying for cover that you cannot access.
The next level of cover is our Catastrophe Cover (Scale B vets fees on our Leisure Policy). As above, it provides cover for accidental, external injuries only but also includes the addition of three lifesaving veterinary procedures; colic surgery, joint or tendon sheath flushing as a result of sepsis and surgery for pastern and pedal bone fractures.
This level of cover comes at a fraction of the price of full vets fees so may be a viable consideration for those who currently choose not to insure due to cost or people looking to cover some of the most expensive treatments at a lower premium.
The final and most popular option is Full Veterinary Fee cover for accidents, sickness and disease. Full vets fees would cover most diagnostics and veterinary treatment provided it is not excluded (routine treatments such as vaccinations or teeth rasping are not covered). This cover can be extended further to include hospitalisation costs, which cover the livery cost of the horse staying at the vets, as well as complementary treatments, which include remedial farriery or physio, as long as they have been recommended by the vet as part of the open claim.