Insurance exclusions

carthorse

carthorse

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Had a scan done last year on our horses hindlegs just to check her . She slipped on the road and had some swelling. Nothing was found by the vet but this years insurance has exclusions on both hind legs.. The insurance claim was about £175 and I paid £135 plus 15% of that. Is there anything I can do?
 
Yes,you cn contact the insurance company,explain you have not had vet out again, had no further issues and you feel excluding both legs is flipping ridiculous.
I have had similar twice, and once insurance spoken to,have had the exclusions lifted. Once,they asked for confirmation from my vet that they had not visited again and didn't expect further issues. The other time, they took my word.
Once I had spoken etc, the exclusions were totally lifted,on both legs.
Edited to add, my insurance took view were accidents and would be very unlucky to have the same thing recur.
 
When sasha was vetted a month ago, her vet gave a report to say she had an old splint on foreleg, and had had box rest in 2010 and then brought into work and no further problems, so when insurance wanted to exclude this leg I wrote to them stating no further problems for past 3 years, and that her old vet would be willing to confirm it. Exclusion lifted. Ok exclude it for splint problems I explained but nothing else.
It's wrong when they exclude whole legs for everything because of a past healed injury that has not caused problems since it healed.
 
I currently have colic excluded - last summer when my girl choked she became pretty dehydrated in the 24 hours before we went to the horspital so she had a very mild, short lived colic which didn't require any treatment but because it was mentioned on her referral letter it's been excluded. On a good note the insurance have said that if she has no further issues in the following 12 months they will review it.
 
You don’t have to necessarily live with exclusions on you insurance policy.

I like many others I switched from NFU to KBIS because of the ridiculous increase of premiums. I filed in clinical details & also sent a copy of the vetting my horse had when he was bought 4 years ago. As a result I received a quote etc however there were 4 exclusions on the insurance.

1. Losses arising directly or indirectly from wound to right hind hock & capped hock
2. Ditto…… from wolf teeth
3. Ditto…… corneal oedema
4. Ditto……fibrous swelling of extensor tendon right hind cannon

I telephoned KBIS & followed up with a letter regarding the above telling them that (1) the wound was minor, the hock had slight fluid on it at time but was not capped & was now totally recovered. Regarding (2) he had had his wolf teeth removed 3 years ago so that exclusion was redundant. Regarding (4) I had no recall of him ever having this injury.

I was asked by the insurers to send them a clinical printout from my vets. I sent the full clinical printout from my vet & in it there was no mention of No4, so I have no idea where that came from. Regarding (3) I accepted that he had a minor eye injury from when he was young & this did not affect his sight but I understood they may wish to have this as an exclusion.

As a result I received a new policy of insurance & all exclusions except the eye had been removed.

If anyone has exclusions on their policy & the horse is now recovered, is fit & healthy & has no lasting effect then contact your insurance company & they will ask you to sign a health declaration & the exclusions will probably be removed. They will only remove exclusions if you take steps to have the removed.

As a result of this the one rear leg of my horse, which was basically excluded from cover, is now fully covered...... worth doing I think?
 
Glenruby:- No, horse was never insured by previous owner. The horse was imported from France & we bought him from the dealer in the UK. We are the first & only UK owners of him. We have no idea how the one exclusion came about.

Carthorse: If you speak to the insurer, KBIS, as I did & tell them that the injury ws only minor & you called in the vet just to be sure. This is what we did, horse spooked & ended up reversing into a roadside ditch. He had a hock injury & as the cut/puncture was near/on the joint obviously we wanted him seen by the vet. Horse was given a shot of antibiotics & that was about it. After a couple of days there were no after effects so vet never bothered coming out again. He was never even lame. I told KBIS, they asked for a clinical printout from vet, vet provided it within a couple of days & I sent it off with a covering letter. Exclusions were all removed apart from an old eye injury which he received when he was a youngster in France which we could understand.

I found KBIS to be very fair, basically people shouldn't moan about exclusions on their policies & accept them if they shouldn't be there, do something about it. If you can provide evidence that there is no lasting problem & all is ok now with no chance of reoccurrance then the exclusion shouldl be removed.#

Good Luck
 
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Toby_zaphod - thanks for sharing that will have to give them a ring!
Got my insurance policy details through today from KBIS and she's excluded from losses from or caused by laminitis (one acute case - no long term effects at all or problems since :rolleyes:) colic and anything to do with the digestive tract ..?! (impaction a couple a months ago which I'll admit she was rushed to the hospital, tubed etc and bill was rather enormous :o .. But no problems before or since)
Any losses caused by her liver (never even an official diagnosis for this! Blood tests when she was in the vet hospital with the colic picked up high liver enzymes which were back to normal after a few weeks :rolleyes: best guess from the vet was a virus)

I can understand the colic one (although not why it's the entire digestive tract?! What if she has a completely unrelated stomach issue??) and maybe even the laminitis one but the liver one I don't understand!
 
Monty: You can never tell how successful you will be in removing exclusions but it's certainly worth a go. As you will have read I got 3 of the 4 on mine removed so I was very happy.

Good Luck
 
This is my concern, my horse came in from the presenting with a check injury, it then came out as a massive infection & abscess bursting through the middle of her leg! She was scanned before this came to light as she was bandaged obviously so took a week fr the abscess to escape! hoping they won't exclude as nothing was found!! il fight it anyway if they do
 
I have a whole page of exclusions! I have had some removed, like the 'sweet itch' that was picked up at her vetting that she has never shown any sign of thirteen years later. Some are harder to remove - they excluded her larynx and pharynx after some recurring cases of choke (back in about 2002) but they won't remove that one unless I have her scoped at my expense and show that everything is normal, and I don't really want to put her through that for no reason.
However the things I really want covered - like laminitis, cushings and arthritis - obviously they will never dream of reconsidering!!!
 
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