Bizarre vet visit .....

A friends mare was found to have ulcers a few years ago, but during investigation has a lot of tests for various othe things that came back negative. During the process of claiming on insurance, the vets sent across the info which obviously included the horses testing negative for these various things. Friend was then incensed to find that insurance company excluded all these things. She rang and complained and was told that because the vets had considered their could be a problem and it was investigated, then it was in their policy to exclude it, despite the investigation proving fruitless and the horse actually having no medical issues with these areas.

Friend argued that the risk of her horse actually having this problem was surely now significantly lower than a horse who hadn't been tested, yet the untested ones remain covered and hers, negative for the issues, was no longer covered. When you think about it, if insurance companies work on possible risk, it's a bit of a backwards way to do things.
 
Re insurance, my horses eyes were excluded - because he was so spooky I had the vet look at him. Nothing found but insurance
excluded as it was on his notes !
 
Snuffles said:
Re insurance, my horses eyes were excluded - because he was so spooky I had the vet look at him. Nothing found but insurance
excluded as it was on his notes !
Click to expand...

I looked into this with my insurance co and vet. We'd previously had a bone scan that found nothing, insurance then excluded it. Vet said we could apply to lift the exclusion.
When I spoke to the insurance co they said they could consider lifting the exclusion on production of a letter from my vet stating that the scan had come back all clear.
As it was I didn't go through with getting it lifted because another clause was that the horse had been sound for 12 months after...as it was she did her check ligament 8 months after so that scuppered it.
But its worth looking into - if you vet will back you they may lift the exclusion.
 
Time to get a proper vet. They aren't all the same.
My horse's liver disease was first suspected because she was yawning so it can be an indicator.
My vet has also helped me get exclusions taken off my insurance.
Good luck OP. Hope you get to the bottom of it all soon.
 
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