Veterinary Requirements

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Veterinary Requirements

The most commonly purchased insurance policy is for mortality coverage. This policy usually requires an examination by a veterinarian prior to acceptance of the risk by the insurance company. The examination is paid for by the purchaser of the insurance. Most companies require the same, basic examination, to be reasonably sure that the horse or horses in question are in good health and that pre-existing problems (previous colic, surgery, laminitis, injury, illness etc.) do not exist which may influence the horse's future health. This requires a physical examination as well as an accurate history.

The decision to insure or not insure a given horse is the sole province of the insurer, the veterinarian simply provides information about the present health status. The owner and perhaps veterinarian (assuming that he or she has had previous experience with the horse) provide the history.

It is important to point out, for the protection of all parties, that a physical examination of each horse is required. It is insufficient, and potentially a problem in the event of a claim, for the veterinarian to simply sign off on an examination form based on having been familiar with a given horse over the years (worming, vaccination, and other basic maintenance procedures).

Please note that not all insurance requires a veterinary certificate. For instance, sometimes a Declaration of Health from the owner or person caring for the horse will be sufficient for the insurer to decide whether to insure a horse or not. Also, horses purchased at public auction do not normally require a veterinary report. Call Logans and we will happily advise you as to whether a veterinary certificate is required on your horse.

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