Horse Insurance - exclusions

B

Butterbean

Well-Known Member
Joined
30 December 2006
Messages
1,098
Visit site
It's coming up to time to renew Brooklyn's insurance; when I originally had him vetted (which he passed), the vet made a couple of comments on the certificate which resulted in large exclusions on my policy.
eg she commented on his wide flat hoof conformation, which resulted in an exclusion for anything connected with his hooves!

Would like to change insurer - and get rid of the exclusions (he's not had any problems in connection with those issues during the year & the vet herself thought they weren't significant, she tried to word the comments to explain this but they still resulted in exclusions). Has anyone had any experience of this? Would I have to get him re-vetted?

Any comments would be appreciated, thanks
 
Yes almost identical problem when vet said there was a slight medial/lateral hoof imbalance on a mare I had bought. Farrier was furious and as he's been trimming her pre-purchase was happy to write a letter to the insurers.

However, they still wouldnt have it so changed to NFU Mutual who were quite happy with his report and fully insured her.
 
If you feel your insurer is bad on exclusions, they are likely to be bad for other stuff as well - changing is a good idea.

I heard a story once about an insurance company that tried to exclude all 4 legs and all cuts after a horse cut himself on something.
 
I had 2 exclusions put on my young horses insurance following notes made by the vetting,
one was small splint on a front leg the other was slight filling to both back pasterns (horse had been stood in all day waiting for vet to arrive!)

I questioned these on my annual renewal and both exclusions were lifted.

Might be worth just asking your current insurers if they will lift the exclusion now.
 
Often your vet can supply a report to say that the horse has had no problem and the condition has been corrected with farriery. They should then advice the insurer to now remove this exclusion. That is the sort of letter I used to write when I worked at the vets.
 
Ive had exactly the same thing with my horse. She has a slight thickening of her tendons/sheaths - has never effected her, false curb (which has decreased) - never affected her, also she has a small exostosis on her face - again never affected her, and of course the lovely Mud fever - all which they have put exclusions on.
Unfortunately its a catch 22 situation. You have them vetted for insurance purposes and the vet has to write everything down in case it comes back on him/her, then the insurance company whacks great exclusions on them or puts the premium up.
I got back in touch with the insurers this year who have said they will remove all the exclusions if my vet writes them a letter saying he has never treated her for any injury and she has never suffered any problems with them. Get him to do that when he comes to do the vaccinations.
I got told by the insurance company that I shouldntve had her vetted then they wouldntve known about it. My responce was that they asked for it so I had no option!
 
Thanks for all the replies - I'll have a word with the insurers & see if they'll accept a letter from my vet or something like that.

It just seems ridiculous, he is not insured for megabucks & they excluded lots from the cover yet the premium was still £££.
(eg he had rubbed his neck a little - definitely not sweetitch or anything - just was in a fly infested field - vet noted this but insurers excluded anything to do with his skin!! which would presumably exclude things like sarcoids etc. And since I've had him he's never rubbed his neck at all.)
 
You must log in or register to reply here.
Top