karen.close
Well-Known Member
Ok so here goes!
Last year my horse had a fractured splint bone that needed operating on, he was sent to the equine hospital and insurance paid up no problems.
This year he was disgnosied via a bone scan as having fused kissing spine 1 vertebra which isn't causing any problems and no concern of the vet, mild arthritis in his right hock, right fore and base of neck. The treatment he has received as it was believed the main problem for him was his hock causing him the most issues, is tildren and hock injections and at present he's doing very well. Insurance paid up fine but reached the 5k limit within 2 mths.
Now my question is, I've just received my renewal with a whole list of exclusions half of which he's never had ... It reads as follows...
Incidents of arthritis, bone spavin, colic, degenerative joint disease, sarcoids, tendon and ligament strains or spavins occurring in the same or opposite limb will not be a valid claim if your horse has previously suffered from that condition, whether or not they occur in the same area or any other area or structure of you horses body!!!
So does there leave much else he is covered for they have practically write the whole of him off! He's never had sarcoids or colic and was always under the assumption that if you claimed for instance on a hock then obviously you wouldn't be able to claim for anything else!
I understand I've had to big claims in a short time but to renew him at £80 per month with practically no vets cover isn't right surely????
Appreciate people's thoughts
Last year my horse had a fractured splint bone that needed operating on, he was sent to the equine hospital and insurance paid up no problems.
This year he was disgnosied via a bone scan as having fused kissing spine 1 vertebra which isn't causing any problems and no concern of the vet, mild arthritis in his right hock, right fore and base of neck. The treatment he has received as it was believed the main problem for him was his hock causing him the most issues, is tildren and hock injections and at present he's doing very well. Insurance paid up fine but reached the 5k limit within 2 mths.
Now my question is, I've just received my renewal with a whole list of exclusions half of which he's never had ... It reads as follows...
Incidents of arthritis, bone spavin, colic, degenerative joint disease, sarcoids, tendon and ligament strains or spavins occurring in the same or opposite limb will not be a valid claim if your horse has previously suffered from that condition, whether or not they occur in the same area or any other area or structure of you horses body!!!
So does there leave much else he is covered for they have practically write the whole of him off! He's never had sarcoids or colic and was always under the assumption that if you claimed for instance on a hock then obviously you wouldn't be able to claim for anything else!
I understand I've had to big claims in a short time but to renew him at £80 per month with practically no vets cover isn't right surely????
Appreciate people's thoughts