Update.
Now looking for insurance to cover vet fees.
What do you guys think about Pet Plan, happy to look into others you have knowledge of.
Not NFU that's who we are leaving, mainly because they are selling me two things in the policy I actually don't want.
I don't want to have to pay for loss of use, when both the vet and insurance company say you won't be able to prove it, so they will never pay out!
I don't wish to have loss of horse, she's not a car, giving me a cheque won't replace her.
This brings me onto my next question, why do they charge you more with the value of the animal?