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Created June 2012. Includes live visitor responses.

Insurance cover for vet fees

How much cover do you need from your horse insurance?

Improvements in veterinary surgery and drugs mean that our horses now have more treatments available. This has led to an increase in vet fees at a rate of approximately 30% per year*. Complicated procedures, such as surgery for colic and orthopaedic surgery, will have high veterinary costs and in some cases can only be afforded if the horse is insured for vet fees.

Typical vet fees

Vet fees can vary according to your location, your vet, your horse's health and age.

Example Equine Vet Price List

15 minute consultation £40.00Visit fee £27.00Prescription charge £11.50Flu and tetanus vaccination £35.00Xrays from £73.50Blood sample £21.50 Injuries such as a kick can cost around £2,000 - £3,000 but these costs can escalate.

Example Case: Kick to the Hock
Xray, ultrasound, surgery to flush out the joint, week in equine hospital, antibiotics, dressings, call out fees.
Total cost: Approx £5,500

Illnesses can range from horses requiring a course of antibiotics up to a serious bout of colic requiring major surgery and hospitalisation, which can cost form around £3000 up to £12,000.

Horse insurance cover for vet fees

When you insure your horse for veterinary fees you will need to decide on the maximum value (the 'cap') for each claim. The safest option is to to get as much cover as you can afford, otherwise you may need extra funds if your vet fees are greater than your cap value.

The British Equine Veterinary Association says, 'Colic and orthopaedic surgery are inevitably expensive and you need cover for up to at least £5,000 for these important problems. Current figures suggest that you should insure your horse or pony for up to £5,000 per incident.'

We asked our visitors to tell us about their vet fees to give you an idea of the conditions you may encounter and the associated costs.
See the summary in the right hand column.

Sources

BEVA 'Insurance'

* Paths of Progress – Equine insurance – the veterinary viewpoint, N.J. Mills, Equine Veterinary Education, (1994) 6

Equine conditions & costs

Conditions and associated vet costs as stated by our visitors, ordered by the most common.

Click on a condition for a detailed breakdown.

Condition

Min£

Max£

#

Colic

50

8,000

47

Wound or cut

50

10,250

47

Lameness

26

6,500

36

Laminitis

40

8,000

34

abcess

35

5,000

25

Tendon / ligament injuries

10

6,500

19

Back Problem

200

2,000

12

Dental problems

30

5,000

10

arthritis

100

5,000

10

Kick injury

150

4,000

10

Infection

20

350

9

castration

120

2,000

8

skin condition

21

500

6

Fractures or breaks

500

3,500

6

cushings

60

10,000

6

Sarcoid

43

900

6

choke

60

300

6

Arthritis & Tendon

500

3,000

5

cancerous tumours

500

6,000

5

COPD

500

3,000

5

corneal abrasion and kerititis

200

2,000

4

cough

70

200

4

grass sickness

100

3,000

4

Breeding

150

350

4

Strangles

100

2,000

4

Blocked tear duct

80

589

3

Liver failure

250

3,000

3

Hock Problems

500

5,000

3

Mud Fever

95

150

3

allergies, urti

150

200

3

Melanoma

600

2,000

3

Gastric Ulcers

200

3,000

3

Virus

160

990

3

feathermite

60

100

3

Foaling difficulties

200

1,200

3

Manica flexicora surgery

4,000

6,000

2

Uvetitis

255

2,000

2

eye removal

2,000

3,000

2

Bronchitis

2,000

2,500

2

Foot Conditions

700

1,200

2

kissing spines

5,000

6,000

2

heart

2,000

5,000

2

navicular

3,000

5,000

2

Photosensitivity

139

150

2

Worm burdon

70

2,500

2

Ripped eyelid open

180

180

1

Sacroilliac

1,400

1,400

1

sarcoid treatment, infection in sheath area

200

200

1

Hepatitis

1,000

1,000

1

vainations

140

140

1

Ulcer

650

650

1

shoulder injury

200

200

1

neurectomy

1,500

1,500

1

Cold (tonsilitus like)

150

150

1

Phlarunjitus and Numonia

2,750

2,750

1

ragwort poisoning

500

500

1

Colitis

2,800

2,800

1

Snake bite

120

120

1

trapped nerve

650

650

1

SDFT injury

500

500

1

Infection, Splint bone surgery, further tendon treatment

2,000

2,000

1

Extreme Anxiety

166

166

1

Salmonella

900

900

1

lump on leg not causing lameness

50

50

1

Deep muscle injury

1,200

1,200

1

FIS

100

100

1

cyst

3,500

3,500

1

Osteomyelitis

4,000

4,000

1

canker

2,000

2,000

1

Cushins disease

25

25

1

Based on answers from 276 riders.

Have your say,

greenBox

Did you know...

Some vets charge you between £10 and £60 to fill in a claim form. Most insurance companies will not cover these costs.

Has your horse needed a vet in the last 4 years?

Help us to understand how often vets are required and the typical costs incurred.

sarah from surrey

23/07/12 07:17

Year

Condition

Cost

2009

eye removal

£2,000

Jessie Bowling from Suffolk

22/07/12 22:28

Year

Condition

Cost

2009

Lameness

£600

Faye from ireland

22/07/12 22:17

Year

Condition

Cost

2009

arthritis

£500

jessica hand from worksop

22/07/12 20:14

Year

Condition

Cost

2011

Colic

£100

Sarah from Scotland

22/07/12 16:25

Year

Condition

Cost

2011

Back Problem

£1,000

This website does not provide financial advice or recommend a particular supplier. Although we strive to keep the information up to date, we can not guarantee that all information is accurate. Always confirm accurracy by looking on the suppliers website.