Insurance for relatively new pony WWYD

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Bangagin

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Would love some advice please as I don't want to fall foul of insurance companies. I've had my mare since May, purchased from a well known/respected dealer without a vetting (no debate please on why people should or should not get vetting!) I know very little about her previous history as she came over from Ireland to be sold on. She was 5 in July. I currently have her insured for accidental injury only. She isn't lame, but her confirmation is not great (upright hocks) and she is quite weak behind and finds going up hills difficult. I'm just wondering whether these confirmation issues could cause problems in the future and whether I should upgrade my insurance cover as a precaution. There's been no diagnosis, but I'm just worried this could be seen as a pre-existing condition.
 
If there is nothing on her record then it's not classed as pre-existing. Horses like to go wonky so proper insurance is peace of mind. NFU will insure for 5k vets bills without a vetting up to 5k purchase price (i think) - why not ring round a few and get quotes - but do NOT mention you're insuring as she has confirmation issues etc. Hills are hard work if they are weak - you just need to make her walk up them correctly - not pull herself along on the forehand etc
 
Tiddlypom said:
It can be a problem getting vet fees cover for a horse that you have owned for a while. You might be required to get her vetted before they will cover her.
Understandably, insurance companies are wary of people who only decide to insure because they suspect their horse might have a problem…
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Yes that was my concern. I'm sure it happens an awful lot though. I'm not at the stage where I suspect there is an issue - but just thinking about the future.
 
Welly Boot said:
If there is nothing on her record then it's not classed as pre-existing. Horses like to go wonky so proper insurance is peace of mind. NFU will insure for 5k vets bills without a vetting up to 5k purchase price (i think) - why not ring round a few and get quotes - but do NOT mention you're insuring as she has confirmation issues etc. Hills are hard work if they are weak - you just need to make her walk up them correctly - not pull herself along on the forehand etc
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I am pretty sure you are asking them to commit fraud! They will ask if there is anything you are aware of that may lead to a claim? Hope all the NFU equine team are on alert, or at least ask about dodgy confirmation 😆
 
farmergirly said:
I am pretty sure you are asking them to commit fraud! They will ask if there is anything you are aware of that may lead to a claim? Hope all the NFU equine team are on alert, or at least ask about dodgy confirmation 😆
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Yes, pre-existing is any pre-existing conditions/symptoms/injuries, not just those recorded conditions/symptoms/injuries!
 
Welly Boot said:
If there is nothing on her record then it's not classed as pre-existing.
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Sanversera said:
But an owner isn't a professional expert,the op thinks there's a conformational fault that might cause future problems. She could be completely wrong as she's a lay person not a vet or equestrian expert,so I'd say there's no need to tell what she thinks to the insurance company.
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My post was in response to the above statement, rather than specific to the OP.

OP, it's probably best, if finances allow, to get a vetting before going ahead with insurance, or maybe ringing around a few insurance companies first and get quotes for a policy with and without a vetting. It may be that the vetting pays for itself through cheaper premiums.
 
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