Insurance Querie

chunt

New User
Joined
20 January 2022
Messages
2
Visit site
Hi everyone! Looking for some words of wisdom, advice and general opinions, please.


I bought my youngster in March last year, and in June as sustained an injury to her right hind leg with an electric fence post going in and out of her joint area. Thankfully there was no actual damage to the joint area, just a large superficial cut that took a few months to heal. She was in a small paddock for this and wasn't really 'lame' on it as such. She's got quite a tidy scar and minimal superficial damage, however, she has had a knock-on effect in terms of compensating for this leg.

She is 3 and a half so have been leaning on her which she just was not happy about so physio was called who determined there was lots of tension along her back due to her being so tight holding up this injured leg. After some rehab work with stretches and exercises over winter she has come on leaps and bounds but is not 100% sound.

We had the physio out today, she is pleased with everything else in terms of her muscle build-up and suppleness, but she is suspecting there is soft tissue damage in this hind leg in relation to the fence post injury. She is also thinking there could be suspensory damage due and another ligament but I can't for the life of me remember what. She would like to refer us to a hospital for scans and to discuss treatment. She is confident that it can be treated and she can then continue her education to be a ridden horse with the hope of eventing/sj in the future as she has youth on her side for healing.

She wasn't insured at the time of this original injury, but I got her insured in August. Would treatment for this leg be classed as a pre-existing condition? I really don't think I can financially afford to pay for scans, treatment and a lameness test without insurance for her. Although one of my vet friends has said she would argue a superficial cut and deep tissue injuries are different, I'm not sure if this was to make me feel better or not lol. I am with Insurance Emporium, which I have heard a lot of good things about, yet some bad. I am obviously kicking myself for not having her insured straight away, but in the 8 years of owning my previous horse, I only had the vet for vaccinations so it wasn't on the top of my priority list.

Is anyone able to shed any light on my best course of action here?

Many thanks :)
 

Melody Grey

Well-Known Member
Joined
14 April 2014
Messages
2,341
Visit site
I’m also with E&L/ insurance emporium. Might not be helpful, but when I queried with them whether they’d definitely cover certain investigative work/ surgery that might be needed, they wouldn’t guarantee anything until the claim was submitted and looked at. So I always hope for the best, but plan for the worst.

I have sometimes approached cases being prepared to pay for investigations at worst case, but so far all good and they’ve always paid out for me. If it felt to be on a dodgy wicket, I might allow x-rays and ultrasound but not MRI for example at the first stage. A complex claim would be submitted usually in stages, so you might get a feel for what they’ll pay for by starting small....the cost of a lameness work up and ultrasound for example.

You could get your vet to write stating that this is completely unrelated to the superficial injury but that may be countered by the insurer’s specialist vets opinion....so may get you no-where. Does your vet have confidence this is I unrelated? Might be a total non starter if not
 

chunt

New User
Joined
20 January 2022
Messages
2
Visit site
Your physio should be referring you back to your vet, (who she would have spoken to before working on your horse?)
Yes, it appears to be a pre existing injury from what you have written above.

sorry I should have put that, she will refer me to my vet. They don’t have the scanning equipment so they will refer to hospital!
 

Red-1

I used to be decisive, now I'm not so sure...
Joined
7 February 2013
Messages
18,374
Location
Outstanding in my field!
Visit site
Your physio says that it is caused by the pre-existing condition, if I read it correctly? So, it will be classed as pre-existing and wouldn't be covered (unless the vet disagrees with the physio's analysis - but even then the physio should make a report to the vet if she/he is recommending further investigation for a problem, so it may still be connected in the notes).
 
Top