Exclusions on Insurance?

[tasel]

I am with NFU - and as far as I can see they have a policy where there are no exclusions per se (e.g. nearside hock, offside hoof), but rather a policy of everything is covered unless it's directly related to a previous issue.

So a horse can injure its nearside hock twice in two totally unrelated circumstances, and both would be covered.

For those who are covered by NFU - have I understood the T&Cs correctly?

How is it for all those covered by other insurance companies?

 

[ladyt25]

Basically what they are doing is re-wording the general rule of cover on a policy anyway - pre-existing conditions are not covered.

It has always been the case, or should have been/be, that you can claim for an injury to the same leg/part of the body providing it is not related to any previous, existing problem. For example, your horse could get kicked on a particular part of the leg, the insurance could pay for treatment. If the horse then got kicked/injured the same leg or same part of the leg again and it had nothing to do at all with the prevuious injury then yes, it would be covered.

If your horse had though damaged a tendon/ligament and this was not specifically excluded it would mean that should that same tendon 'go' again further down the line it would be treated as the same problem (pre-existing) and would not therefore be covered - unless the the injury cause was of an entirely unrelated nature - ie the horse severed the tendon in a traumatic incident (impaled itself on a fence, sliced it open on wire or something) and therefore this had nothing to do with the pre-existing tendon weakness/condition!

Think I sort of explained it then! It's not always black and white really and hence why often there are arguments when it comes to claiming for horse injuries and illnesses!