VETTING REQUIREMENTS
The value of your horse and the level of cover you’re intending to take out will influence whether or not your insurance provider requires a veterinary certificate. Individual insurance companies may have slightly different requirements, so it’s worth checking with your prospective insurance provider first. For example, if the market value of your horse is up to £5,000, Petplan Equine doesn’t require a vetting certificate. With KBIS, it depends which of its policies you are taking out. Under its vet fees cover policy, no vetting certificate is required if the market value is up to £6,000. If you take out just mortality and theft cover, no vetting is needed up to the value of £9,999. If you want loss of use cover, both KBIS and Petplan Equine will require a five-stage vetting certificate. Depending on the horse’s value, they may also require certain X-rays. “If additional information is needed to set up your insurance policy, we will provide injury-only temporary cover for your horse — as will most other insurance companies,” explains Petplan Equine. “Your full policy will not start until all information is received and approved.” “If you are moving to KBIS on renewal from another company,” says KBIS, “we request a full veterinary history, along with the renewal documents from the previous insurer. If the renewal documents confirm the cover with KBIS is like for like, or less than the previous insurer offered, full cover will be offered by KBIS straight away, so there’s no accidental cover period at the beginning of the new policy.”