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You are in... Forums > Welcome To Your Horse Forum > The Yard > Barbed Wire

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kevinhiatt

Joined:

Aug 10

Posts: 5608

kevinhiatt says:

Barbed Wire

This Evening Wed 16th May 2012 I went along to a talk held by my Equine Vets which is one of the largest in the Staffordshire / Derbyshire area also Vets to Uttoxeter and Wolverhampton Racecourcse's and the talk was about Cushings and Insurance etc., now what came up was Barbed Wire damage to your horse would not be paid for by Insurance companies along with the insurance companies keep putting on exclusions which need to be challanged. Then we are are all feeding our horses too much on too good a quality grass, many horses especially do - gooders don't need hard feed, but here the question comes how do you feed supplements and do horses need supplements? Also how do you give my mare a calmer ?

Gypsy Gold does not chink & glitter.It gleams in the sun and neighs in the dark.Tonka & Lara my beautiful horses RIP, Nelson,Chloe & Kitty the cats.

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SarahR123

Joined:

Feb 10

Posts: 454

SarahR123 says:

Re: Barbed Wire

Yes I feed supplements.  Missy has it in a pelleted form over winter but at this time of year in a powder form to minimise calories - her one meal a day at this time of year is 2 small handfuls of lite chaff with all her powders added in - more powder than food!  Tehya normally has the same powder balancer all the year round.  Your mare might benefit from Lunar Eclipse Kevin made by Simple System Horse feeds (you'll find it if you google it) - it's a balancer AND is good for hormonal mares!!  I fed it to Tehya last year and she was so laid back on it she was horizontal!  It might remove the need for a calmer.  Alternatively something like calm & condition (IF she needs the calories) or ride and relax helps with a calming effect without the need for separate calmers.  Feeding calmers - can syringe it in to her mouth - if she allows it - or mix it in feed - if she'll eat it!

Insurance - don't get me started.  Many will find any means to slip out of paying up if they can :(  I have indeed heard of the barbed wire thing - in a way I'm not surprised.  I've seen some horrific accidents involving barbed wire and animals.

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rhapsody

Joined:

Apr 05

Posts: 2938

rhapsody says:

Re: Barbed Wire

I'm trying to pluck up the courage to reduce my insurance.  Reason being that it would seem they contact the vet each year prior to renewal to find out what they've been seen for in the past year.  Even a minor little thing that you've not claimed for, they seem to know about it and then they put it in a list of exclusions.  For instance, Blair had a larvae get under his skin, it was looked at and then it resloved by itself, now he's no longer covered for any lumps that appear on the end of his nose!  In fact, he has a long list of exclusions and most of it is ridiculously stupid stuff.  I've never ever claimed on his policy either, or informed them of anything that he's had done but they know it all.  I didn't even claim for his fractured maxilla and they know about it and they've excluded it for future so I should really have claimed and made it worth my while, so when he had the recent scope for his nose bleed I decided I would claim.  The reason I never have before is because I always thought it would put the premium up like car insurance, but they said it won't and that inflation is the only thing which can influence the premium price.  I seriously wonder if I would be better off just putting the money into a bank account just for vet bills etc but at the same time remain insured for 3rd party, the only problem would be if one of them needed something very expensive before the account had time to build up - knowing my luck that's just what would happen!  At this rate though Blair will soon have nothing left which is covered!

[This Reply has been modified by the Author]

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kevinhiatt

Joined:

Aug 10

Posts: 5608

kevinhiatt says:

Re: Barbed Wire

Yes I forgot to also say the Insurance Company asks for a complete print out on your horse from the vets, including anything you have not bothered to claim for as its say only £20 (if only) so you do not claim but the insurance company can refuse to pay out as you have not told them everything and you can be accused of witholding  information so even if its a pain you must claim for everything, REMEMBER THE INSURANCE COMPANY IS NOT YOUR FRIEND.

[This Reply has been modified by the Author]

Gypsy Gold does not chink & glitter.It gleams in the sun and neighs in the dark.Tonka & Lara my beautiful horses RIP, Nelson,Chloe & Kitty the cats.

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Micki

Joined:

Mar 09

Posts: 3579

Micki says:

Re: Barbed Wire

rhapsody that is why i don't insure my horses. I have 3rd party insurance through the BHS. I hate insurance companies as they are very happy to take your money but will try every way to not pay out. If i get a big vet bill then i will find the money to pay it somehow.

As for barbed wire there is none anywhere near my fields.

. .A horse is a thing of such beauty. . .none will tire of looking at him as long as he displays himself in his splendor. ~Xenophon https://www.facebook.com/browbandsandbracelets

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kevinhiatt

Joined:

Aug 10

Posts: 5608

kevinhiatt says:

Re: Barbed Wire

When you have an older horse you have to find the money yourself, years ago I had to take Pet Plan to the Insurance Ombudsman over Tonka and what I had insured him for, it went like this I bought him for £950 and was immediately offered £1500 for him and the peole who wanted him actually paid £2200 for a Tonka look a like they were nearly 2 peas in a pod same in nearly everything, only Tonka had white on a leg further up than the other, also both same age, so I did not think unreasonable to insure for £1500 as that at least what I would have to pay out to replace him, the Insurance Company took my money for £1500 then refused to insure him for that amount so I don't mess about went for the throat like who do they thing they are, the Insurance Ombudsman found in my favour, but after that never insured again as far as I am concerned highway robbery with violence. Sabrina is on Hormanese by feedmark which only early days but only after a week not such a tart, squirting etc also going through electric fences to get to a stallion when her boyfriend was missing.

[This Reply has been modified by the Author]

Gypsy Gold does not chink & glitter.It gleams in the sun and neighs in the dark.Tonka & Lara my beautiful horses RIP, Nelson,Chloe & Kitty the cats.

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jenhavocmanny

Joined:

Apr 12

Posts: 643

Re: Barbed Wire

I don't  insure either apart from public liability through BHS.

 

Had the same, claimed for an abcess in foot years ago when first got H. Then the next year on renewal abcesses were excluded. Eventually came to the conclusion it was better just to pay vets bills out of own pocket, premiums were over £200 a year and I figured an average of 1-2 vet visits per year would about even payment out. Without the hassel of dealing with insurance companies.

 

So far over last 6 years I've saved a fortune!

 

As for supplements ,I seem to feed more supplements than actual feed!

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rhapsody

Joined:

Apr 05

Posts: 2938

rhapsody says:

Re: Barbed Wire

Between insuring the 3 horses and the trailer and a couple of saddles my premium is £190 per month.  Ultimately I would still insure the trailer and maintain 3rd party, but it would be just my luck to need something expensive the minute I stopped paying it!  Still, there's always the Bank of Great Aunty Betty!  I submitted the claim last week for Blair's scope and no word back yet.  Renewal's due in August so will do some serious thinking between now and then ......

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SarahR123

Joined:

Feb 10

Posts: 454

SarahR123 says:

Re: Barbed Wire

Hmm... I bought Tehya in 2009 and by the time the first year was up had claimed for approx £3000 of vet bills.  She has spasmodic colic which was investigated (nothing found) and about five emergency call outs AND an accident in the field shelter which required stitching and another emergency call out!

 

I strongly resent paying insurance BUT don't have the savings to start off.  If I had a few thousand in the bank I'd definitely cancel the vets part of the insurance and save the premiums in a savings account!  I insure five animals totalling almost £200 per month so it wouldn't take long to build up but what if something major happened before I had anough money?!  About 20 years ago we cancelled our dogs' insurance when I stopped full time work - 2 months later, our bitch got pyametra and it cost over £500 - nearly broke us!  Insurance plays on our fears...and they don't come more scared than me!! :o(

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kevinhiatt

Joined:

Aug 10

Posts: 5608

kevinhiatt says:

Re: Barbed Wire

The very big problem is ALL of us don't read the small print and what we want the horse or anything else insured for is not, years ago you spoke to say the man from the Pru but those days have long gone. Saying that I have my house insurance with the Co-op no problems when main sewer blocked.

Gypsy Gold does not chink & glitter.It gleams in the sun and neighs in the dark.Tonka & Lara my beautiful horses RIP, Nelson,Chloe & Kitty the cats.

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rhapsody

Joined:

Apr 05

Posts: 2938

rhapsody says:

Re: Barbed Wire

Just got a pay out yesterday from Blair's insurance for his scope (as they were no longer going to insure him for exercise induced pulmonary haemorrhage anyway) and minus my £140 excess I got £155 back - better in my pocket than theirs.  At this rate he's not going to be insured for much else that's left!  For once it was straightforward and they didn't try to stall.

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