Exclusions if havent claimed?

J

Jim bob

Well-Known Member
Joined
2 March 2015
Messages
335
Visit site
Just wondering really.

If you don't need to claim on your insurance, would your insurance still put an exclusion on it? Even if your didn't claim?
 
Yes they would for an existing condition, or a change. Insurers offer insurance that protects their liabilities, rather than help us, so if there is an old injury or new problem (which each time you insure you are asked to declare) it will be excluded
 
Yes. T & Cs require you to notify them if you have more than 1 vet visit for the same condition (or at least used to - one of the reasons I don't insure now). When you do, they exclude that part of the animal. In my case it was slipping patella in a 2 year old and they excluded her hind legs - but still took the same premium.
 
Yes. As people have already said they will exclude based on existing conditions (as they arise) irrespective of whether there was any claim. They tend to do a blanket exclusion (all feet for one puncture wound was the worst I heard!) but you can usually argue the case with a letter from your vet if the exclusion is silly.
 
Exclusions can also arise from any comments made on a vetting cert - I bought a cob years ago and the vet commented that he had 'slightly flat front feet'. I could not then find a company that would insure his front feet so ended up not insuring.

I owned said cob for 7 yrs and he was never lame once in that time…..go figure!
 
Yes indeed they will. I have just fallen foul of this myself. No matter how minor the ailment, if you've called the vet you're SOL
 
Just trying to get some exclusions removed from a vetting. Small bits of hard skin that vet said could be sarcoids but vet checked a few months later and nothing so must have been insect bites. Pony also had mild runs at vetting due to change in diet and gastro illnesses excluded as result. Pony needs to be clear of any gastro probs for a year for that exclusion to be removed. Pony is young and healthy but has several exclusions which is crazy. Keeping him insured just now until backed but if exclusions are not removed may not continue.
 
Does anyone know if the vets charge to write a report to the insurance company to have an exclusion removed?
 
Some (I remember it was on NFU's T and Cs when I was with them) have a general exclusion of any pre existing conditions so they might not specify it at renewal but would not allow a claim on it.
 
Yes they exclude all sorts. I claimed for spavin last year and the insurance wanted a full medical history from my vet before they would settle the claim. They then excluded everything on the vet history. So my horse is now excluded for the benign melanomas under his tail because I asked the vet to check them once when he was having his routine injections, anything arising from a fly bite on his face that the vet looked at at the same visit, and anything relating to laminitis because I mentioned to a trainee vet that he had possibly had a mild case years ago!
My usual vet now doesn't write anything down on his vet history unless horse is being treated for it - he was horrified when I told him about the exclusions that had been added for minor ailments that had never been treated!
This is with Equicover by the way.
 
Too right! I can't imagine why vets should actually charge for their time and professional opinion in preparing a legal document. I'm quite sure that doctors or solicitors wouldn't dream of charging for issuing reports / legal documents.
 
Last edited:
The NFU just do a blanket exclusion of any pre-existing condition.

This year I transferred my horse's insurance from my Mom's name to mine (I was a minor when we bought him) and because he has been diagnosed with wobblers (which incidentally the NFU paid for!) there were issues with the underwriters getting him re-insured until I pointed out that they'd already renewed his cover for 5 years since the diagnosis!
 
I had an exclusion removed. My mare cut herself that we couldnt get to heal as it was on her coronary band and just kept breaking down so thought she was going to ha e to have a ga and a cast put on. So I rang for a claim form but in the end as she was in the process of being put in foal I just packed her off to stud to be box rested there except for being covered and it healed. I had an exclusion put on the limb that I had removed a year later when my vet gave her a post foaling check and wrote a letter saying all was fine and not even a scar was visible.
 
You must log in or register to reply here.
Top