my insurance renewal is through and has given me a dilema, our Welsh B has 4 exclusions including Lami (though we've had her through 2 summers living out with a repeat) she is not ridden anymore though is only 9 (ligament injuries that have had full treatment but never healed fully).
I have already decided that I would not treat her through another lami attack and wouldnt put her through any type of treatment that required more than 2 weeks box rest as it sends her insane and nothing helps (we've done it twice). it's likely that should she ever be PTS the insurance company would blame one of her conditions, or would say I had chosen not to treat, and so not pay out.
so should I insure her at all? I have BHS membership for the essentials, her premium is £550 for the year.
I have done everything for this pony and she is part of our family, but some of the decissions I have come to regarding treatment are after knowing her and what's best for her, they aren't based on money. I would obviously have the vet out for minor issues should she be ill of injure herself, Just not anything that needed long box rest.
What do you think? I feel I'm paying for something that I wont ever be able to claim for (she's also had a £5k pay out so I've more than had my money's worth of insurance and I never claimed for the lami x-rays etc I paid for that myself)!
opinions welcome
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would you insure this pony?
5 replies
Lovesswimming · 28/02/2013 15:02
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