mairiwick
Well-Known Member
Not really sure where I stand with this or i might be opening up a can of worms... so wise words would be welcome!
There are a few exclusions on my girl's insurance policy, osteoarthritis as she had a bone spur on her coffin joint diagnosed in 2012, sarcoids as vet noted a lump that 'may or may not be a sarcoid... let me know if it changes (it didn't; however ironically two years later a sarcoid did develop in a different site which required treatment)' early 2012 as a result of seeing these notes, but the one I'm annoyed about is anything relating to her DDFT.
A couple of years ago, she was slightly lame. With her having previous with her coffin joint, I called the vet. Flexion tests were done, she was 1/10 lame. Lunged on a surface, again nothing to note, and slightly off on a hard surface. Nothing found. Buted and box rested, no improvement. Vet came back out again and we start discussing the need to x-ray again. Vet came without the plates and then got emergency call so couldn't. Different vet from same practice then came out. Discussion was that if it was the same condition, it wouldn't be covered as osteoarthritis and relating bone conditions now excluded. That wasn't unexpected for me, I just wanted to know what the underlying cause was - if I had to pay then so be it.
Problem was, second vet was quite newly qualified and suggested to start a claim form just in case they would cover anything. I printed one off and passed it on to him. Next visit he tells me he has submitted the form and said that he tried to state the cause for lameness was unknown. They wouldn't accept that so he put down it was suspected DDFT. The claim didn't go through - she came sound again - and she almost certainly did not have damage to her DDFT.
However, I feel stuck. At the time, the vet decided this without my say so but as there was no treatment needed and therefore no claim for the insurance company to process I thought nothing of it. Subsequently, I realised they will take this as vets notes. Is there any point me now disputing this? I feel vet was trying to help but I don't want to cause them any trouble and I'm also concerned it may look like I have been a part of this. But she is now ont covered for something that she has never had an issue with and sods law is at some point I may need to claim and unless I can get this exclusion removed that's not going to happen.
Should I suck it up, as I didn't think to challenge this as the time, or should I say something? I'm no longer with said vet practice due to a catalogue of misdiagnosis with my horse.
There are a few exclusions on my girl's insurance policy, osteoarthritis as she had a bone spur on her coffin joint diagnosed in 2012, sarcoids as vet noted a lump that 'may or may not be a sarcoid... let me know if it changes (it didn't; however ironically two years later a sarcoid did develop in a different site which required treatment)' early 2012 as a result of seeing these notes, but the one I'm annoyed about is anything relating to her DDFT.
A couple of years ago, she was slightly lame. With her having previous with her coffin joint, I called the vet. Flexion tests were done, she was 1/10 lame. Lunged on a surface, again nothing to note, and slightly off on a hard surface. Nothing found. Buted and box rested, no improvement. Vet came back out again and we start discussing the need to x-ray again. Vet came without the plates and then got emergency call so couldn't. Different vet from same practice then came out. Discussion was that if it was the same condition, it wouldn't be covered as osteoarthritis and relating bone conditions now excluded. That wasn't unexpected for me, I just wanted to know what the underlying cause was - if I had to pay then so be it.
Problem was, second vet was quite newly qualified and suggested to start a claim form just in case they would cover anything. I printed one off and passed it on to him. Next visit he tells me he has submitted the form and said that he tried to state the cause for lameness was unknown. They wouldn't accept that so he put down it was suspected DDFT. The claim didn't go through - she came sound again - and she almost certainly did not have damage to her DDFT.
However, I feel stuck. At the time, the vet decided this without my say so but as there was no treatment needed and therefore no claim for the insurance company to process I thought nothing of it. Subsequently, I realised they will take this as vets notes. Is there any point me now disputing this? I feel vet was trying to help but I don't want to cause them any trouble and I'm also concerned it may look like I have been a part of this. But she is now ont covered for something that she has never had an issue with and sods law is at some point I may need to claim and unless I can get this exclusion removed that's not going to happen.
Should I suck it up, as I didn't think to challenge this as the time, or should I say something? I'm no longer with said vet practice due to a catalogue of misdiagnosis with my horse.
