Insurance and exclusions

alsxx

alsxx

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I'm thinking about changing insurance co for my mare; I know I can get the monthly premiums cheaper elsewhere (with same co my other 2 are insured with) for the same cover.

Query is she currently has some exclusions relating to lameness that I will need to declare. One of the exclusions is arthritis/degenerative joint disease if hocks and fetlocks. Now my issue is, a few years back she was diagnosed by a vet (I would now not go within 100 miles of) that she had arthritis, plus a couple of other things (aged 5 btw!). My insurer at the time obtained a third opinion who said she did not have arthritis, but confirmed the other two things. So I'm wondering if new insurer would accept this old report or whether I'd need to get a new vet report or vetting in order to have these conditions covered. Or not declare them at all which isn't really something I'm prepared to do.

Any thoughts please?? :-) of course I will probably just call them and ask but wondering if anyone has experience of exclusions that were actually through misdiagnosis?
 
I'm confused - they put an exclusion on for arthritis/DJD even though they had a vet report saying that your horse didn't have it? Or did they put it on then remove it after their vet confirmed she didn't have it?
 
If it was a misdiagnosis then the exclusions should have been lifted, surely?

Once my old horse had a couple of exclusions I found it quite hard to move insurers as all wanted a 5 stage vetting before they would consider it.
 
Long story into condensed version: vet diagnosed and treated for the arthritis plus other conditions. Insurers accepted claim, paid out part and then got concerned hence they obtained another vets opinion. They then quibbled and would not pay out anything at all, leaving me having paid vets incredibly in debt on credit cards therefore I pursued through formal complaint and they paid out. I then moved insurers as was very unhappy with the way in which things had been handled. So new insurer were told of all things even though technically she didn't have one thing wrong with her. Confusing eh?!?
 
if the 3rd opinion vet produced a report stating the horse never infact had arthritis, and was wrongly diagnosed, and gave explenation as to why it was thought to have arthritis & the evidence showing that it does not have the condition, i do not see a problem with insurance companies accepting that report and not placing an exclusion.
shop around insurance companies and explain & see what they say. Im with petplan equine if you try them!!:)
 
Yes it's pet plan my other two are with and I want to switch her to them also! Im going to dig out the report later and see exactly what it says :-) I can only see what they say. Worst case scenario is exclusions remain but I can always see what they would require in order to get that lifted.
 
Didn't get chance to phone today, so busy at work!

Tbh I wouldn't pay for X-rays just to confirm, don't have the spare cash right now for that for a start!
 
If exclusion was lifted due to their vet saying it was a wrong diagnosis then I'd probably not report it (get in writing from your current insurers of all exclusions and all lifted with report though - they'll give you that for free/a nominal charge for printing and posting).
Report any that are still exclusions though.
 
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