Insurance exclusions

[Twiglet]

Vetting certificate for new horse mentions front feet are slightly different sizes (3mm). The vet measured them all as a matter of course, mentioned that they weren't a cause for concern (and were otherwise very good feet) but that I should be aware.

Certificate also mentions 'slight nasal discharge from one nostril' (at the time the horse was in 23 hours a day, on straw with unsoaked hay so not overly surprising).

Insurance company has now informed me that the policy entirely excludes:

Front feet
Eyes
Nose/nasal issues

I can't help thinking that this is quite extreme considering the comments from the certificate. I'm awaiting a phonecall from the vet to discuss further, but can't believe that a horse that otherwise flew through a 5 stage vetting (and was approved as suitable for every activity listed in the policy - and then some) could have some quite major exclusions on his policy.

Thoughts?

 

[jenni999]

I had an exclusion from NFU following a claim for lameness and a slightly ragged coffin joint on one leg, meaning there was a rough edge to one of the joints. Front fetlocks were both excluded.

I then got the vet to write a letter after a year or so saying the horse was fine and he'd flexed him and trotted him up and there was no evidence of the issue. NFU then removed the exclusion.

The claim was in 2005 and the removal of the exclusion was in 2007 - horse still sound and hunting regularly.

 

[Passage...]

It's pretty easy to have them overturned or looked at/re evaluated. My horse had flat feet due to poor shoeing when I bought him which on the vetting were listed as "of aesthetic purposes only" insurance excluded all four feet- all I had to do was have my registered farrier write a note to say they were of correct shape and pose no risk and they lifted the exclusion.

 

[Twiglet]

Thanks for the replies. Had a call back from the vet....he thought it was more ridiculous than I did. He's going to certify to the insurance company tomorrow that he had no concerns for the feet or eyes/nose of the horse, and recommends that exclusions are removed. Fingers crossed they accept it!