insurance exclusions

really depends what the exclusion was for, my mare damaged her tendon in her off fore the near fore was also subsequently excluded when her insurance came up for renewal. You can sometimes ask for the uninjured leg to be reinstated after a year and they sometimes agree to that with a vets letter. I managed to get my mares let re-insured which was fine until she did another tendon five years later and they excluded all her legs, they probably had a fair point :)
 
Don't know about standard, but I think quite common. They work on the assumption more strain will be put on good leg. Gave up with insurance for vets fees a couple of years ago. I find I'm better of stashing the premiums in BSoc a/c.
 
I personally think insurers will try and exclude anything they can! When we bought our first horse the vet doing the vetting noted he had slightly puffy fetlocks, probably from doing a bit too much too young, but that it was completely fine as he was 100% sound after flexion tests and they went down with exercise- he told us that insurance company would prob exclude at first, but that we could get x-rays to prove it was nothing and they would have to cover them- insurance company won't insure any of his fetlocks, x-ray or no x-ray, not even against accidental injury :(
We were also told he had mud fever, which they excluded. Turned out it was mites, not mud fever (vet diagnosis) so insurance company excluded both :mad: :(
They drive me mad! :o
 
so I could ask my vet to argue my case to get that leg re-instated..
given that he's now pretty much retired and will spend the rest of his days hacking.

unless we decide not to insure him any more
 
blood_magik said:
so I could ask my vet to argue my case to get that leg re-instated..
given that he's now pretty much retired and will spend the rest of his days hacking.

unless we decide not to insure him any more
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you could, it worked for me the once but not the second time but she didn't have age on her side that time...

I actually stopped insuring her when she was 21 and stashed some aside instead there was so little of her left to insure!
 
it is becoming more common. certainly nfu do this even if you don't claim but one leg has had an injury. it may be worth getting a letter from your vet to say all is now ok - this worked for me although it was a minor injury.
 
Miss Bean said:
you could, it worked for me the once but not the second time but she didn't have age on her side that time...

I actually stopped insuring her when she was 21 and stashed some aside instead there was so little of her left to insure!
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he's 21 now. we've decided that instead of continuing once he's recovered, we're going to retire him so I'm not sure if it would be worth arguing if he's not going to be working properly.

Merlin11 said:
it is becoming more common. certainly nfu do this even if you don't claim but one leg has had an injury. it may be worth getting a letter from your vet to say all is now ok - this worked for me although it was a minor injury.
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well, Muppet has managed to pretty much wreck the tendon - the lesion was huge :cool: and we're only 12 weeks into rehab (and waiting on AFI deciding if they're going to pay out for treatment). I wonder if the vet would argue the case or if we would be wasting our time.
 
It is pretty standard to exclude both front or back legs as the insurance company's argue that the injury will put increased stress on the opposing leg as the horse will favour the leg and increase the chance of an injury to the healthy leg. I used to work for an insurance company and most of them are pretty reasonable and like has been said here, will remove the exclusion on the other leg at a later date if no problems.

Always make sure though that your exclusions are very specific and don't let them put a blanket exclusion on 'the front legs' or 'the back legs' as technically they could then refuse to pay for even accidents to the excluded legs. If it was a tendon injury then make sure it is just the tendons and ligaments that get excluded. Sometimes you can get them to downgrade the exclusion the following year to just the specific tendon eg 'the left fore superficial flexor tendon' which is what I did for my horse, although by the sounds of things given your horse's age, this may not work for you!
 
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