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Vet Fees

What to do in the event of a claim

Claims reporting

For all claims you must advise Carriagehouse (UK) Ltd as soon as practicable either by phone or by completing the relevant form.

For all claims

  1. You must take all reasonable care to limit any further loss, damage or injury.
  2. You must complete and return a claim form which you will find below.


Veterinary fee claims and compliance with veterinary advice death claims, permanent incapacity (loss of use) claims

If your horse is ill, lame or has an accident, it is your duty to immediately seek the advice of your veterinary surgeon. You must then follow the recommendations made by the attending veterinary surgeon or any second opinion or referral practice as to treatment, rest and rehabilitation.

  1. You must obtain and complete a claim form and  forward this together with a completed veterinary surgeon’s report form, both of which we will supply to you, and also forward copies of the referral vet’s reports.
  2. You must submit copies of the itemised invoices.
  3. If your horse is to have an operation, please advise us prior to this taking place so that we can confirm to you that this will be covered.
  4. You must obtain prior authorisation for certain diagnostic work including MRI and Bone Scintigraphy scans. Following these scan, additional reports from your veterinary surgeon(s) will be requested.
  5. Should the insured horse die, or be euthanased, you must arrange to your own expense, for a veterinary surgeon to certify the cause of death by post mortem examination, unless otherwise agreed by us.
  6. Once we agree and settle your claim, we will pay the agreed amount less your excess and any amounts not covered by this Policy.

How we deal with your claim

Fraudulent claims

If you, or anyone acting on your behalf, make a claim knowing it to be false or fraudulent in amount or in any other respect, this insurance shall be invalid and all claims shall be forfeited.

Other insurance

We will not pay for any claim if any loss, damage or liability covered under this insurance is also covered wholly or in part under any other insurance except in respect of any excess beyond the amount which would have been covered under such other insurance had this insurance not been effected.

Defence of claims

Insurers shall be entitled to take over and conduct in your name, the defence or settlement of any claim, or to prosecute in your name for own benefit, any claim for indemnity, or damages, or otherwise and shall have full discretion in the conduct of any proceedings, and in the settlement of any claim.

Additional information

  1. We reserve the right to appoint a loss assessor or to take a second veterinary opinion.
  2. Parts for the repair of carriages can take time to be provided to repairers, this is outside the control of both the Insurer and the repairer.


The issue of this form is not an admission of a claim and further information may be requested upon receipt of all the facts relating to this treatment/incident.

Please complete the following and submit it to us as soon as possible. We will forward you a report form that your Vet will have to complete and return together with your horse’s clinical history and the itemised invoices.

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