Insurance exclusions - where does the foot end and leg begin?

[emfen1305]

Please bear with me with what could be the silliest question of the year - I am a very worried horse owner!

My cob is excluded on both front feet after a general navicular diagnosis, can’t remember on the exact wording but it was both front feet plus pedal disorders. Where does the foot end precisely from an insurance perspective? He currently has a hot, swollen fetlock that I think could now do with a vet to look at it. Of course he will have treatment if he needs it but it would be ideal if the insurance paid!

 

[Lady Jane]

We would need to see the exact wording but I would be surprised if navicular syndrome excluded the fetlock. The wording is usually very precise (unfortunately I have extensive experience!)