Horse insurance offers financial protection for many unforeseen events related to owning a horse, for example if your horse is injured or becomes ill.
If you are looking for insurance cover, be sure to read what each insurance policy covers the total cost of what they will pay for (most insurance companies cover up to £5,000 veterinary fees) and any conditions that are excluded.
How to make a claim
In the event of you making a claim:
Contact your insurance company and request a claim form.
If you are a referral client, please double check your insurance company’s procedure and what they require from your usual vet and the referral veterinary practice.
Check with your insurance company what they do/don’t cover and what they will/won’t pay for (i.e. your excess or any keep fees if your horse is hospitalised).
Once you have received your claim form:
Complete and sign your part of the claim form in full. Your insurance company will return forms if they are not filled in properly and may result in the claim being delayed.
Send your completed form and relevant excess to [email protected].
Please note: the excess varies with each insurance company, so please check your policy details for the exact amount you will have to pay.
Your form will then be given to the relevant veterinary surgeon to fill in.
Once your form has been filled in by the veterinary surgeon, it will then be either returned to you (if requested) or sent directly to the insurance company, along with any relevant invoices that you have already received.
It is your responsibility to forward any further relevant invoices onto your insurance company and your responsibility to make sure these invoices get paid to us.
If your account becomes overdue, account reminder letters will be sent out. Please forward any of these letters onto your insurance company so that they are aware that your outstanding balance remains unpaid and we have commenced our account recovery processes.
If you receive any letter from your insurance company requesting further information from us, please forward copies of these letters to us as soon as possible so that we can answer any questions and progress the claim.
If you are insured with E&L, Animal Friends, horseinsurance.co.uk or The Insurance Emporium, our practice policy states that all clients insured with these companies must pay us directly under our normal terms of business, and then claim it back from their insurer.
Your policy is between yourself and your insurance company, and not between your insurance company and Three Counties Equine Hospital LLP. Therefore, it is up to you to liaise with your insurance company regarding payment.