RunRunReindeer
Well-Known Member
Hi there, just received renewal notification from horse insurance and they have excluded a condition which my horse was treated for last year, is this usually what happens? Thanks for any info.
Insurance - are exclusions usual?
- Thread starter RunRunReindeer
- Start date
K27
Well-Known Member
Unfortunately yes it is standard!- one of mine has a few exclusions- one being sarcoids as he had an op to remove a tiny one when he was 4- he is now 15 and they will never lift that exclusion as could potentially come back.
Sometimes after a year or two, or in the case of a misdiagnosis (which is what happened to a horse of mine once) insurance companies will review it to see if they can lift the exclusion, if the vet can provide a letter to all is well. But I thik it depends on the situation, treatment costs and also what medical condition the horse had.
Sometimes after a year or two, or in the case of a misdiagnosis (which is what happened to a horse of mine once) insurance companies will review it to see if they can lift the exclusion, if the vet can provide a letter to all is well. But I thik it depends on the situation, treatment costs and also what medical condition the horse had.
annaellie
Well-Known Member
Yes I have had this before thefollowing year after my mare had colic sugery they exluded forcolic
RunRunReindeer
Well-Known Member
Wow, thanks for fast replies! My horse has a winter related skin condition which luckily I managed to claim for twice last year (at start and end of year), but from now on it looks as though I'll have to pay my own way
Fortunately treatment not too costly (compared to some) and I have learnt a fair bit about how to manage it so hopefully can keep costs down. Thanks again.
Fortunately treatment not too costly (compared to some) and I have learnt a fair bit about how to manage it so hopefully can keep costs down. Thanks again.
soulfull
Well-Known Member
yes it does say this is what happens in your policy (somewhere) They only cover conditions for a year from the start of condition
so for instance if your insurance start on Jan 1st and your horse starts treatment for something on december the 1st that year. you will be covered until 30th November the following year.
Depending what the exclusion is for you may be able to get it removed in the future if your horse has no further problems
so for instance if your insurance start on Jan 1st and your horse starts treatment for something on december the 1st that year. you will be covered until 30th November the following year.
Depending what the exclusion is for you may be able to get it removed in the future if your horse has no further problems
zam
Member
Yes hapened to me due to colic. I never even claimed vet treatment costs for the ccolic but i let them now that hed had colic before. Was ridiculous that I now never can claim for any digestive related disorder or colic now. Colic can be due to so many things. This exclusion thing really annoys me! So it doesnt even matter if you claimed or not its just that you are letting them know that they have had something that went worng with them. Next year i may drop insurance altogether as beginning to think its all abit of a rip off!
gunnergundog
Well-Known Member
Yes, exclusions clauses are nowadays the norm. Also, be aware that if you have a tendon/leg issue you will sometimes get the exclusion not only on that leg, but on the other fore/hind or even diagonal. By the age of 15 my ex-eventer had about two sides of A4 as exclusion clauses; at that stage I decided it really wasn't worth the cost as it was only his ears, tail and mane that were covered! I jest not!
By the age of 15 my ex-eventer had about two sides of A4 as exclusion clauses; at that stage I decided it really wasn't worth the cost as it was only his ears, tail and mane that were covered! I jest not!
Happy Hunter
Well-Known Member
Yes, Mums old horse only legally had 3 legs! 
had a cut to one - major cut - and from then on was not insured for anything on that leg.
had a cut to one - major cut - and from then on was not insured for anything on that leg.
Natalie_H
Well-Known Member
It is normal, but I got two exclusions removed from mine when they tried to add them.
1)Horse had an accident in the field. Ripped off a shoe, then trod on the protruding nail which caused an abscess. Vet also suspected tendon damage. He had 2 tendon scans & there proved to be no issue. Insurance excluded tendons on the next policy. I fought it with supporting vet letter & the exclusion was removed.
2) Horse had hoof abscess relating to above accident. They then excluded all hoof abscesses. Again - got vet to write a letter saying that the horse presented a normal risk for hoof abscesses & the exclusion was removed.
Other conditions are more black & white however. He had treatment for skin allergies & we never really got to the bottom of it. This was excluded & understandably so.
1)Horse had an accident in the field. Ripped off a shoe, then trod on the protruding nail which caused an abscess. Vet also suspected tendon damage. He had 2 tendon scans & there proved to be no issue. Insurance excluded tendons on the next policy. I fought it with supporting vet letter & the exclusion was removed.
2) Horse had hoof abscess relating to above accident. They then excluded all hoof abscesses. Again - got vet to write a letter saying that the horse presented a normal risk for hoof abscesses & the exclusion was removed.
Other conditions are more black & white however. He had treatment for skin allergies & we never really got to the bottom of it. This was excluded & understandably so.
claireandnadia
Well-Known Member
Yep, I got a load of exclusions on my insurance when I had Nadia vetted and showed it to my insurer.
pip6
Well-Known Member
My girl had all tendon/muscle conditions for both back legs excluded following damage to a hind suspensory. At end of year I switched insurers (as so annoyed at service after donkey's years of never putting in a claim - thanks SEIB), new one kept exclusion for 1 year. Next year they put both legs back on again.
However, youngster got leg over (high) fence, pulled loads of skin off getting it back over, no other damage. Cost about 1500 in vet bills (paid no probs be Shearwater), on renewal there were no exclusions.
However, youngster got leg over (high) fence, pulled loads of skin off getting it back over, no other damage. Cost about 1500 in vet bills (paid no probs be Shearwater), on renewal there were no exclusions.
RunRunReindeer
Well-Known Member
Thanks again all for your very informative replies 
bedbug
Well-Known Member
This is what really annoys me about horse insurance. You pay a premium for vet cover then when you have to claim you get an exclusion and usually a higher premium the following year.
As one poster said it ended up with only the mane tail etc being covered on their horse
As one poster said it ended up with only the mane tail etc being covered on their horse
eggs
Well-Known Member
Bear in mind too that most policies have something in the small print saying you should advise them whenever a vet sees your horse even if you are not making a claim.
More and more often they are asking the vets for the horses history so if say you are claiming for a colic and the history that the vet has to supply shows that the horse has been seen for mild colic before you may very well find your claim rejected.
More and more often they are asking the vets for the horses history so if say you are claiming for a colic and the history that the vet has to supply shows that the horse has been seen for mild colic before you may very well find your claim rejected.