Understand your policy...
Make sure you are familiar with your policy's cover. Reading the small print is something we all avoid, but it can stop nasty last minute surprises. When you insure your horse you will have to declare the intended use. Please ensure that this includes all the activities you do partake in, as injury incurred outside of these is unlikely to be covered by your insurers.
All policies provide different cover and you should be aware of what you policy does and most importantly, does not, cover. For example, common variations include payment of transport; livery; supplements; preventative treatments and alternative or additional treatments, e.g. farriery costs, physiotherapy or osteopathy. Being aware of whether such areas are not covered, covered in part or in full will prevent an unexpected residual bill!
Remember, you need to keep your insurers informed of changes to your horse's health status as soon as possible, and consent may be required prior to making a claim. If you do not inform your company of a problem, any subsequent claim which may be related to the previous problem, is likely to be rejected. Check for exclusions each time you renew your policy, and remember some can be lifted after at least one year of complete resolution of the problem.
If you need to claim, just fill out and sign your section, hand the form over to us with payment to cover your excess within 14 days of you notifying us that you intend to claim and we'll do the rest!
Just one final point: when you get to the end of a claim it is easy to forget to organise the final visit at which our vets can give you the all clear. There is more than one reason why this is so important. Obviously our primary concern is that your horse has fully recovered and fit to return to work. However, getting the all clear allows us to record an end point to that specific condition. This means your insurer's can easily review your insurance exclusions in the future, and should a subsequent claim become necessary it is also easy for the insurers to determine the two conditions are unrelated, resulting in a much smoother claim process.
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