Insurance for a windsucker?

[Smallhorses]

The horse I am going to see is a windsucker. He does it when he is borde. What's the deal with insurance in this situation?

 

[mattilda]

You just insure them. It's not an illness.

 

[Smallhorses]

You just insure them. It's not an illness.

sorry if sound like a complete wazzock! I thought insurance companies wouldn't insure against colic (I know they are not connected!). If its a case of just insuring SUPER NEWS!

 

[pinklilly]

It's in my insurance small print that anything caused by a vice is excluded from the policy. I would think colic and digestive disorders could be a grey area and is probably best looked into.

 

[Chestnuttymare]

I was never asked and tbh I didn't even think about it. Must check the small print of my policy.

 

[mattilda]

Me neither. If I'm honest any callouts I've had for colic haven't exceeded the excess so have never claimed. Scuttles off to check smallprint.

 

[Smallhorses]

Small print only refers to in the event of death caused by a vice cover will not be available.

 

[floradora09]

Me neither. If I'm honest any callouts I've had for colic haven't exceeded the excess so have never claimed. Scuttles off to check smallprint.

Same, I have a cribber and he's coliced once, not sure whether or not it was related to the cribbing but it cost us £131 and seeming as our excess was £130 we didn't bother!!

 

[annaellie]

My old mare was a awful cribber she always had colic and needed colic surgery it was a strangulated hernia my insurance paid our no problems and it was decleared on the vices section.

 

[ELFSBELLS]

Same, I have a cribber and he's coliced once, not sure whether or not it was related to the cribbing but it cost us £131 and seeming as our excess was £130 we didn't bother!!

I'm sorry if i'm wrong and i very well maybe, but when my horse had spasmodic colic last year and the vet had to come out, i wondered wether to pay the bill or make a claim on my insurance, so i spoke to my vets who told me to make a claim has if he ever has colic in the future and i made a claim on that occasion my vets would have to disclose that he had had a bout of colic in the past and therefore the ins. co. would not have to pay out, therefore wether your bill is under your excess is irrelevant.

 

[china]

if you inform your insurance they will exclude digestive issues.
if you dont inform your insurance and your horse colics as a result it could cause problems with insurance.
catch 22 ;-)