5 stage vetting and insuring horse

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GREYSMEADOW

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Can someone please advise on a 5 stage vetting that if the horse has a splint or two the vet will mention this in the 5 stage vetting report and then when I come to insuring the horse the insurance company can then put an exclusion on each leg where the splint is. Sorry to be such a numpty! Having a few sleepless nights at the moment!
 
Vet may mention splints although I wouldn't think horse would fail because of it and therefore insurance Company should insure I would think? Might be worth ringing insurance Company to ask the question?
 
Not true. An insurer can exclude anything the vet mentions. Whether it's minor enough to not cause a fail is irrelevant; they're not going to insure a pre-existing issue :rolleyes:

OP, it will depend entirely on the horse and its intended purpose but it may well be fine to pass. As to how far an insurer will exclude, that again depends on them. They do sometimes surprise for the better; my current boy has a point noted on his vetting cert and I was get astonished at how specific, rather than general, they were in the exclusion.
 
Thanks for your comments they are helpful. Basically the horse has sand cracks and splints and will be having a 5 stage vetting + bloods done. The vet could actually pass the horse and it will depend on what the vet puts down on his report which would be needed for insurance purposes. I must have the horse insured.

Today I heard back from the broker (horse) that they spoke to underwriter regarding sand cracks & splints and was informed that as standard cover these items would be excluded, and no exceptions would be made to include cover for this. I am going to call another insurance company or if any one could recommend any that would be great. It’s such a lovely horse but I don’t want so many exclusions. Any words of wisdom would be great.
 
I work for an insurer and we would do the same. They ask for a copy of a vetting, then keep it n file. Anything that's picked up on the vetting, splints etc would be excluded. Fairly certain this is the norm in horse insurance. If the vet pointed out the feet were a bit long, that sort of thing wouldn't be excluded, because it's deemed rectifiable by routine treatment, worming/teeth/farrier/vaccs etc.
 
They will all exclude any pre existing conditions, they are visible problems that were there for you to see before the horse was vetted and are unlikely to get worse or cause problems in the future.

Your vet will be able to advise if the sandcracks will improve with correct care, A friend bought a mare with bad cracks that have now grown out and her feet are fine now.
Splints once formed rarely cause problems most horses will have one or two.
 
Thank you for your replies - they are helpful. The feet have been treated by the farrier with corrective shoeing and look pretty good to me but the sand cracks are still noticeable.
If the horse end up threading on a nail or sharpe object puncturing the sole etc or perhaps upsetting the sandcrack would I still be able to make a claim or would the insurance company exclude the hoof completely or if the horse ends up having navicular etc.

Could an ins. company put an exclusion on the sandcracks for a year or two until they have grown out.
 
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I brought a horse with a small splint (I might have missed it in his winter wollies if the owner hadn't been honest) and also hoof cracks & hoof wall flares due to not having seen a farrier in god knows how long earlier this year. All were noted on the vetting.

The insurers did not put an exclusion against the splint (the vet had noted that it did not appear new or causing issues) but put exclusions against the cracks and flares with a note that they could be re-assessed subject to a vet confirming that they had been rectified at a later date.

The flares are pretty much corrected now 5 months on and the cracks are well on their way to having grown out so I'm hoping to get a note from the vet next time he's out (luckily the horse was local so it was my own vet that did the vetting!).
 
Thanks Polly Peewee that is useful. I'm having many sleepless nights over this. Can you plesae provide me with your insurance company - PM me or send me an email to greysmeadow100@aol.com if you wish - this would be very helpful.

My vet has advised me not to have the same vet as the owner. The horse is not local to me either. The horse was hunted last season and the feet/sand cracks where not a problem. I guess it is what the vetting vet puts on the report at the end of the day whether I still go ahead with the purchase or walk away before vetting. I just don't want a horse with exclusions on 3 legs!
 
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