Feed­ing to add shine to your horse’s coat

Your Horse (UK) - - Contents -

Ad­vice from Spillers

QWhat kind of in­sur­ance do I need for a rid­ing hol­i­day abroad? Are there com­pa­nies that spe­cialise in this? What should I be look­ing for when I pick an in­sur­ance com­pany? Karen Davies, Lin­colnshire

APer­sonal med­i­cal/travel in­sur­ance is es­sen­tial for a rid­ing hol­i­day abroad and rep­utable rid­ing hol­i­day com­pa­nies won’t let you ride with­out it. The most im­por­tant thing is to find in­sur­ance that will cover any costs you might in­cur in a med­i­cal emer­gency — in­clud­ing, if deemed nec­es­sary, the cost of fly­ing you back to the UK for treat­ment. It’s also sen­si­ble to in­clude cover for per­sonal be­long­ings in case your lug­gage goes astray — most travel poli­cies au­to­mat­i­cally in­clude this, but it’s best to check. It’s also strongly rec­om­mended you take out can­cel­la­tion in­sur­ance at the time of book­ing (so you have cover from that mo­ment on), just in case some­thing un­ex­pected hap­pens and you have to can­cel your trip. Due to Fi­nan­cial Ser­vices SALAMANDER, A RE­TIRED Warm­blood, hasn’t been man­ag­ing as well as usual this sum­mer. His owner Ali­son Lock­hart is wor­ried that he’s lost his usual healthy glow. Ali­son says that Salamander is hold­ing his weight well and seems in good spir­its but that he’s lost his char­ac­ter­is­tic bright bay shine and his hooves aren’t look­ing as good as they should. Although Ali­son says she has been feed­ing Salamander and his field com­pan­ion ad-lib hay Au­thor­ity (FSA) reg­u­la­tions, travel providers are not able to ar­range per­sonal, med­i­cal, travel or can­cel­la­tion in­sur­ance for clients, nor are they au­tho­rised to ad­vise on the suitabil­ity of in­di­vid­ual in­sur­ance poli­cies. How­ever, there are lots of all-round travel and ad­ven­ture travel poli­cies on the mar­ket to choose from and you can con­tact an FSA au­tho­rised in­sur­ance bro­ker for as­sis­tance and ad­vice if needed. It is es­sen­tial to se­lect your pol­icy with care and to check the de­tailed terms and con­di­tions and pol­icy word­ing to en­sure it meets your needs. For ex­am­ple, the pol­icy may re­quire the use of pro­tec­tive cloth­ing, which, when rid­ing, may mean a hard hat. Dif­fer­ent in­sur­ance com­pa­nies take dif­fer­ent views and you should check the pol­icy care­fully be­fore de­cid­ing to buy. It’s also vi­tal that you dis­close any dur­ing the parched sum­mer, the con­sis­tent lack of good grass and the rock-hard ground are prob­a­bly taking their toll. Hay, hay­lage and grass usu­ally lack im­por­tant nu­tri­ents, such as cop­per, zinc and se­le­nium, which means Salamander could ben­e­fit from some ex­tra di­etary sup­port. A daily bal­ancer would be ideal in th­ese cir­cum­stances. It will sup­ply the im­por­tant ex­tra vi­ta­mins and min­er­als that Salamander needs on a daily ba­sis, but as it’s fed by the pre-ex­ist­ing med­i­cal con­di­tions, check-ups or treat­ment you’re hav­ing be­fore taking out in­sur­ance cover and that you take note of any re­stric­tions in cover re­lat­ing to th­ese.

Ex­tra cover in Europe

If you are trav­el­ling to Europe, you should carry a Euro­pean Health­care In­sur­ance Card (EHIC) as well as taking out travel in­sur­ance. This will en­ti­tle you to free med­i­cal ser­vices if you have an ac­ci­dent or ill­ness within the Euro­pean Eco­nomic Area (EEA). EHICs only cover ser­vices nor­mally cov­ered by the statu­tory health­care sys­tem in the coun­try you are vis­it­ing, so they should be ob­tained as a sup­ple­ment to (not in­stead of) per­sonal med­i­cal in­sur­ance. EHIC cards are free of charge. You can learn more about them and what they cover at gov.uk/euro­pean-health-in­sur­ance-card. cup, rather than the scoop, Ali­son doesn’t need to worry about weight gain. SPILLERS® Daily Bal­ancer is re­fresh­ingly sim­ple, con­tain­ing the vi­ta­mins, min­er­als and amino acids needed to bal­ance the diet ev­ery day. It’s spe­cially de­signed to bal­ance the nu­tri­ents that are typ­i­cally low in hay, hay­lage or pas­ture. SPILLERS® Daily Bal­ancer also has no added iron, which is of­ten over-sup­plied in for­age-based di­ets.

Make sure your travel in­sur­ance pol­icy cov­ers all the ac­tiv­i­ties you plan to par­tic­i­pate in

Rid­ing hol­i­days CON­TIN­UED…

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