Insurance after an accident

[horseclover]

I bought my current horse (5yo) in April last year. I'd looked around for insurance but hadn't got round to taking out a policy as they all looked to be really expensive. In October he spooked whilst out on a hack and struck the back of his front leg, resulting in a lacerated tendon and tendon sheath infection. Many £s spent on vet bills and he's pretty much cleaned me out.

Has anyone taken out insurance following significant vet bills and not been subjected to so many exclusions that mean the insurance possibly isn't worth having? It feels like this one might be accident prone . . .

 

[Barton Bounty]

Try NFU or E & L ?

 

[Cherryblossom]

My new mare got a leg lac before her vet cert came through from her vetting so she was uninsured.
That leg was excluded for the first year, and then Petplan managed to drag their feet and fight over technicalities that it was still excluded when the mare went lame, with SI problems. They paid out, but it took some good documentation from the vets and strong words from me!

 

[bouncing_ball]

Many insurance companies will exclude the injured leg but should cover the rest of him. Some might agree after you have a letter from vets saying no issues with that leg in last 12 months to later fully cover that leg.

 

[Season’s Bleatings]

They will ask you for full veterinary history either when you take out the cover, or when you claim.
Agria are supposed to be very good and a bit more pragmatic but they will ask for full clinical history when you take policy out.

 

[Sossigpoker]

They will either exclude that leg or the specific tendons. Definitely worth still insuring the rest of the horse.

 

[horseclover]

Thanks everyone. Will have a look at those mentioned. Fingers crossed.

 

[JoA]

NFU have been great with mine over the years. BUT my Arab tweeked his median collateral ligament in his right elbow (highly unusual injury) and they also excluded his left leg for lameness for following years policy due to 'increased risk'. However when he developed laminitis in his front feet 3+yrs later (& had to be pts) they were faultless and unbelievably sympathetic. I'd be hard pushed to use anyone else. So what I'm trying to say is yes, even with exclusions for specifics, it is worth insuring for future possibilities. We all know what horses are like. Vet bills are sooo expensive now

 

[horseclover]

NFU have declined to insure him at all. Doesn't meet their acceptance criteria due to still being in recovery for the injury and not being insured previously.

Had a conversation with Agria, who sound a bit more pragmatic about it and likely to just exclude the leg until he's fully recovered.

In better news he's now allowed turnout. Yay!