03/01/2024
I personally think insurance can drive owners to make the wrong decision about what’s best for the horse.
*** DOES HORSE/PET INSURANCE MAKE US BETTER VETS? ***
For those of you who don’t want to read this post, in my opinion, the answer is a big, fat, NO.
I’ve been saying this (mainly to myself, as not many people want to hear my ramblings 😂), but I truly believe we have to be “better” vets when an animal isn’t insured. By “better”, I mean that we don’t have the luxury of running every test under the sun, or of immediately scanning and xraying a swollen leg, so we have to really think about the most important test we can run, or if we can wait a week to take that X-ray; a lot of the time, we end up not having to run any tests, or X-ray at all.
Now that’s definitely not to say that our clients aren’t sometimes “to blame”, in running 30 tests and xraying every joint in the body, as soon as their horse/animal is slightly off colour, or not trotting around like Glamourdale. Many “horse people” want a medical/orthopaedic reason as to why the horse they bought to show jump, doesn’t canter down to a 1.40m oxer and pop it like Explosion W when it gets there. Vets are often under huge pressure from their clients to diagnose and “fix” whatever the problem is, in 24 hours. I’ve written a whole post on it before, but quite often, all the horse needs, is TIME.
Other than the horses I’m currently treating in my practice for ongoing conditions, I have absolutely no idea who is insured, and who isn’t. As vets, it would be completely fraudulent to start xraying/treating a horse that we don’t think we need to, just because we know he/she is insured. Likewise, clients need to be careful pushing for medication/surgery etc just because “he’s insured, so we may as well”.
Personally, I would prefer a world with no horse insurance. Other than refer the odd case to hospital that I may have tried a bit harder to treat at home, I can honestly say that I’ve never treated an insured horse any differently to an uninsured horse. I like to give horses a bit of time before jumping in with thousands of pounds worth of diagnostics (you can see why I’m not, and never will be, a millionaire!), and more often that not, the issue resolves. As long as the issue resolves, there isn’t any need to know exactly what was causing said issue, as long as it doesn’t reoccur. You may not agree with that approach, and may want your vet to scope and sample a horse the same day it gets a cough, but I’ve always believed in firstly allowing them a bit of time.
Horses can “tweak” tendons and ligaments in the field and he absolutely fine a few days later. I would never start nerve blocking a horse a day or two after he’s gone lame; I’d give them a week of rest and anti inflammatories, at least. Many, many horses come right. Clearly this wouldn’t apply to a competition horse, mid-season, but only due to owner demand. So we are back to the pressure from owners to know exactly why their horse is lame, and to fix it, today. I’m 100% the same with my own horses, so this isn’t a dig!
Do I jump into “medicating” joints? Absolutely not. Steroids aren’t good for joints, so unless the joint issue (normally OA) is causing chronic lameness, then those X-ray changes may not be currently causing any issues at all. In a horse with OA changes in a joint, but no chronic lameness, I’d be medicating with Arthramid now, regardless of whether or not the horse was insured.
I’ve previously done an entire post on kissing spines, and the fact that my 4* horse Evented very happily at 4* level with significant kissing spines. Would I send a horse to surgery for KS? Very, very rarely! In fact, in 15 years as a vet, I’m yet to do so. They need to be correctly worked, alongside a knowledgeable physio, and quite often, the back X-rays will look better after 6 months of correct work. On the continent, it’s virtually unheard of to send horses with KS to surgery. So, what if the client’s horse was insured, and we didn’t “have time” to try and rehab the horse correctly over 6 months? No change. Sorry. I wouldn’t send a horse in for surgery just because the insurance was about to run out, unless I had absolutely exhausted rehab using correct ground work.
I believe that horse insurance actually puts an incorrect pressure on both vets and owners to claim for a condition that often really doesn’t need any treatment, due to the fact that the client can never claim for that condition again as soon as the vet has noted it. Insurance also rarely covers the full amount for any serious condition, so I think it’s extremely important that owners are aware of this. Colic surgery is often around £10000 including all of the aftercare etc. Most insurance companies only pay £5000 per condition.
I’m definitely not advising anyone against insurance, but I personally believe we have to think more, as vets, if a case isn’t insured. Time, after all, is the greatest healer for a lot of conditions.
Photo of Mabel at one week old, to brighten up a rather dull post!
No need to message me to ask to directly share the post….
EDITED to add two further points:
1. I 100% do agree with hospitals taking a £1000 payment before admitting your horse. Just like ambulatory vets, the big hospitals are not charities, and just imagine if one or two referrals a week then admitted that they couldn’t pay their £10000 colic surgery bills; that’s almost a nurse’s annual wages lost in one week. We wouldn’t have hospitals.
2. I have absolutely zero issue whatsoever with insurance companies. Quite the opposite. I can’t see how they even break even, with so many horse owners making one or two claims a year, and maxing out their limits. That’s £10000 a year! My point is that I think we have to think outside the box/only do what is absolutely necessary, when our patients aren’t insured.