Doublethyme
Well-Known Member
Background - mare is subject to a current claim for vets fees for an injury to her annular ligament and her Superficial Digital Flexor Tendon on a hind leg in the pastern area.
I had my insurance renewal through today and they have excluded :
"All losses arising directly or indirectly from accidents, injury or disease to both hindleg superficial or deep flexor tendons including the suspensory ligaments"
Now I know they have to put exclusions on and was expecting this and can accept the superficial flexor tendon, but is it normal for them to exclude the deep flexor tendons and the suspensorys as well in these cases? Seems harsh, as she has had no problems with these tendons and ligaments!
Also no mention of the annular ligament so does that mean I am covered for this ligament in future or will they just exclude that anyway without mentioning it even on the good leg!
sigh - I am prepared to put up and shut up, but just wanted to know if this was usual or worth a bit of an argument over. I will speak to my vet next week as Mins is back for her next check up and scan.
The actual injury was never a "strain" type in the first place, but an impact injury, so it all seems a tad OTT to exclude basically all the ligaments and tendons in her back legs!!
I am not complaining about the insurance company themselves, as they have paid up without complaint and I understand they need to put exclusions on. Just scary is all that she won't be covered for so much in the future
Also, I am thinking that I obviously need to re-evaluate her "market value" that she is insured for - its not worth me paying money to an insurance company for something they are highly unlikely to pay out for.
The mare has been insured for £3,500 (probably too little before her injury). She is a 13 year old 16hh Danish (Voltaire lines) Warmblood x TB (AES registered), schooled to Novice dressage level (although only competed unaffiliated), jumps 3ft, but hasn't actually done much with me jumping wise, done unaffiliated showing with good results. Fantastically safe, lovely hack, ridden by children and novices. Now all academic because she has injured her ligament which will at best leave her able to do lightish work (am hoping hacking and low level dressage, but possibly less).
What amount would you insure her for? I suppose as a market value (not that she will ever be for sale), she would make someone a fantastically safe, comfortable, quality hack or potentially a quality brood mare, but getting on for that. A nominal £1,000? I am assuming I have to put something on the insurance policy, as the market value/death cover is not an optional part of the policy.
I had my insurance renewal through today and they have excluded :
"All losses arising directly or indirectly from accidents, injury or disease to both hindleg superficial or deep flexor tendons including the suspensory ligaments"
Now I know they have to put exclusions on and was expecting this and can accept the superficial flexor tendon, but is it normal for them to exclude the deep flexor tendons and the suspensorys as well in these cases? Seems harsh, as she has had no problems with these tendons and ligaments!
Also no mention of the annular ligament so does that mean I am covered for this ligament in future or will they just exclude that anyway without mentioning it even on the good leg!
sigh - I am prepared to put up and shut up, but just wanted to know if this was usual or worth a bit of an argument over. I will speak to my vet next week as Mins is back for her next check up and scan.
The actual injury was never a "strain" type in the first place, but an impact injury, so it all seems a tad OTT to exclude basically all the ligaments and tendons in her back legs!!
I am not complaining about the insurance company themselves, as they have paid up without complaint and I understand they need to put exclusions on. Just scary is all that she won't be covered for so much in the future
Also, I am thinking that I obviously need to re-evaluate her "market value" that she is insured for - its not worth me paying money to an insurance company for something they are highly unlikely to pay out for.
The mare has been insured for £3,500 (probably too little before her injury). She is a 13 year old 16hh Danish (Voltaire lines) Warmblood x TB (AES registered), schooled to Novice dressage level (although only competed unaffiliated), jumps 3ft, but hasn't actually done much with me jumping wise, done unaffiliated showing with good results. Fantastically safe, lovely hack, ridden by children and novices. Now all academic because she has injured her ligament which will at best leave her able to do lightish work (am hoping hacking and low level dressage, but possibly less).
What amount would you insure her for? I suppose as a market value (not that she will ever be for sale), she would make someone a fantastically safe, comfortable, quality hack or potentially a quality brood mare, but getting on for that. A nominal £1,000? I am assuming I have to put something on the insurance policy, as the market value/death cover is not an optional part of the policy.