Essex's 'Equine Healthcare' Jumps Into The 21st Century
Essex Insurance Brokers, which has pioneered most major developments
in equestrian protection over the last 30 years, is to refine its
policies to provide a "equine healthcare" service.
they pay their premiums, owners are really investing in their horse
or pony's health and well being," said equine director David
Buckton. "What they are doing is to buy healthcare in the same
way that people buy private medical care for themselves - we provide
the funds to help a horse or pony get better when it has a problem."
director Barry Fehler said: "In the past, when veterinary costs
were comparatively low, people took out livestock policies to insure
their saddlery, or cover the cost of a horse's life. If they lost
a horse, financially they had lost three thousand or so pounds.
the majority of people buy horse or pony policies to get the option
of recovering the costs incurred when the vet is necessary, and
because veterinary treatments have improved beyond recognition in
the last decade, many conditions once regarded as terminal can now
be treated - but are expensive."
science has taken huge steps forward, both in treatments and diagnostic
equipment. But research is costly and the original investment is
ultimately reclaimed through the end client. But equine healthcare
costs undertaken through South Essex, as with private medical care,
depend on the type of policy and can rise to as high as £5,000
for each of an unlimited number of incidents a year.
this highest option of care is not expensive. An owner wanting that
£5,000-per incident level for an eight-year-old animal competing
at riding club level would pay about £25 per month, and it
could include alternative treatments such as physiotherapy as well
as theft and mortality" said Mr Buckton.
Essex Insurance Brokers offers "fringe benefits" in its
service. A 24- hour helpline can give instant authority for live-saving
operations, minimal investment of £1 a month provides another
24/12 help for emergency veterinary help, particularly useful for
people who travel extensively to compete many miles from their own
we want is for people to look at equine healthcare the way as they
do when they take out private medical cover for themselves and their
families. It then becomes an investment for their horses and ponies,
explains Mr Buckton. "And when you consider that the cost of
treatment for a horse's colic could be very similar to paying privately
for some of the more complicated human operations the whole thing
becomes more realistic."