Horse Insurance…………. Exclusions…………. Get them removed.

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Toby_Zaphod

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You don’t have to necessarily live with exclusions on you insurance policy!

I like many others I switched from NFU to KBIS because of the ridiculous increase of premiums. I filed in clinical details & also sent a copy of the vetting my horse had when he was bought 4 years ago. As a result I received a quote etc however there were 4 exclusions on the insurance.

1. Losses arising directly or indirectly from wound to right hind hock & capped hock
2. Ditto…… from wolf teeth
3. Ditto…… corneal oedema
4. Ditto……fibrous swelling of extensor tendon right hind cannon

I telephoned KBIS & followed up with a letter regarding the above telling them that (1) the wound was minor, the hock had slight fluid on it at time but was not capped & was now totally recovered. Regarding (2) he had had his wolf teeth removed 3 years ago so that exclusion was redundant. Regarding (4) I had no recall of him ever having this injury & I produced a full clinical printout from my vet where there was no mention of this on it. Regarding (3) I accepted that he had a minor eye injury from when he was young & this did not affect his sight but I understood they may wish to have this as an exclusion.

As a result I received a new policy of insurance & all exclusions except the eye had been removed.

If anyone has exclusions on their policy & the horse is now recovered, is fit & healthy & has no lasting effect then contact your insurance company & they will ask you to sign a health declaration & the exclusions will probably be removed. They will only remove exclusions if you take steps to have the removed.

As a result of this the one rear leg of my horse, which was basically excluded from cover, is now fully covered...... worth doing I think? :)
 
Yes, I've fought exclusions too. All four legs of one horse were excluded when boot rubs were noted at a vetting. Really?

Also another horse has a slightly sore back (she was well and truly outgrown and needed a new saddle) her complete spine was excluded, so even if she damaged her neck or dock I couldn't claim. I got that reduced to saddle area and after rexamination a year on got it removed completely.

I no longer insure any horses, just make sure I always have enough to pay a bill. So far I'm in profit. 3rd party is through BHS and PC cover.
 
Nice to see an insurance company that does it- we were promised by our insurance company when we switched to them that some silly exclusions would be removed as long as we provided veterinary proof- one of them was from an injury to his hoof from treading on a nail which had completely healed years ago, and another from my horse who had a worm problem that was rectified- he has since had numerous clear worm counts. They wouldn't honour either one.
Also when we had our first horse vetted it was noted that he had slightly puffy fetlocks, but the vet was excellent and told us that it would not affect him in any way, it was purely looks, and that if we got a simple x-ray done it would prove what he already knew- that it was harmless, and that we would get them insured. Any insurance company that we have spoken to refuses to insure any of his fetlocks- even against accidental injury. Very angry at all of them! Although its good to hear some people winning the battle!
 
I used to insure my pony with PetPlan. I had exclusions on there that they said they would remove if I had a full vet examination done. I did this (at some expense) and sent it to them together with his full vet history and they did remove some of the exclusions but they stuck on others on the back of a conversation that I'd had with my vet and he'd recorded on my pony's record. I ended up with a policy which practically covered nothing because my pony was once stiff for a day after a bucking session after being kept in for a few days because of snow. I phoned PetPlan and they said it didn't matter whether the exclusions were on the policy or not if there was anything at all on the pony's vet history within the previous 3 years which they could possibly use to get out of paying a claim then they would. Needless to say I save my money and don't insure any more.
 
I am with NFU and have a general exclusion on preexisting conditions rather than a specific limb but I did have my premiums increased after several large claims.

After two years of no claims and went back to them and asked them to reassess and they switched me back to the standard rate last year.

Feel a bit guilty because horsy promptly developed a very rare shoulder cyst which required operating on and by the time it ends will be up to the maximum.
 
Hi

I insure with KBIS how do I go about getting an exclsion removed? She suffered a cut/puncture type wound from a wooden fence back in 2010, they have excluded all problems arising directly/indirectly because of this, not exactly sure what that means anyway. How do I get this removed, would I need a note from a vet etc?

thanks :)
 
KBIS excluded my horse's entire digestive system following stomach ulcers. I tried to open a dialogue with them about this, since excluding anything caused by ulcers was fair enough, but entire digestive system includes tongue and teeth, and frankly they have nothing to do with ulcers. They refused to even entertain the idea of changing the exclusion to something more reasonable. So I swapped to AmTrust. Good job I did as a couple of years later the horse got kicked in the head, needed x-rays of the jaw and was found to have damaged a cheek tooth - all of which would have been excluded by KBIS simply because the horse had had ulcers. Madness.
 
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