![It’s always the fine print that gets you! 😩](https://img3.voofla.com/026/115/1116610070261150.jpg)
12/02/2025
It’s always the fine print that gets you! 😩
*** DOES YOUR HORSE INSURANCE COVER DENTAL CLAIMS? ***
After two of my clients have been caught out in the past month or so, I thought I’d post a little warning to horse owners to check what their insurance actually covers. Dental referral work can run into many thousands of pounds, so it’s best not to just presume your insurance covers it, as you could be left with a very large bill if it doesn’t. One of my clients was paying about £70 a month and only discovered she wasn’t covered for any dental work when it came to her horse needing a tooth out and sinus flap/flush. Another client didn’t know that she wasn’t covered for dental work until she needed it recently, and was paying £45/£50 a month.
Another scenario I’ve come across is a well known insurance company refusing to pay out as the horse was a month overdue his annual dental exam, and therefore this invalidated any claim for dental work. You will also need to be able to access a history of your horse’s dental work; this is kept as standard for at least 7 years by vet practices, but make sure you can access the same if you use an EDT for your dental work.
I have had several other clients also presume their policies cover dental work, only to find out too late that they don’t.
Feel free to share, as this may potentially save you thousands of pounds if your horse needs dental work. Check the small print of your insurance policies!