Well think of it this way, what would you need realistically to be able to go and buy another horse like her, a nice allrounder type that has done a little of everything your looking in the £3000 range,
obviously tehft death and straying is important to cover her for and then just think if she did go down with colic or something similar and had to have surgery would you be able to afford to pay up with out insurance? if its no then vets fees would be a good idea
although with her age im not sure what you can and would be able to cover or claim on, depends on the company and their policies on vetrans, some class 15 as vets i think and others are a bit older
Ollie is insured for vets fees etc but isnt insured apparently for his full value which im my opinion he is only worth £5000 but his owner thinks more, he is covered for vets fees and everything and my premium is £40 a month, which is possibly a bit steep and he is also not covered for colic, apparently due to previous history, im not sure on the company but its a small one but they are very good to deal with and gave me some money for some physio very quickly
although if i was competiting at medium dressage they would expect me to pay a higher premium! and would also expect me to up his value
I was with NFU and had to make a really expensive claim 2 month ago as my horse was put to sleep after spending 3 days at a hospital and needing an exploratory operation.
NFU made a big loss on my horse but paid out for everything I claimed for. The only problem were certain staff at the claims department, they didn't keep correct records of the information I gave them and I ended up reating the same stuff over and over. They also paid the money to the vets instead to me what I had specifically requested, that caused more delays.
Having just had a tragic loss that cost close the policy limit of £5000 for vet bills, I would recommend to anyone, not to go for a cheaper cover of £3000 limit for vet bills, if your horse ever needs an operation, it won't be enough!
Overall, I would use NFU again.