insurance question - exclusions.

[itsonlyme]

My mare has been diagnosed with cushings and IR. Her insurance cover for the coming year has just arrived & she has exclusions for cushings (obviously), laminitis (she hasnt had it, but i understand the reasoning) and equine metabolic disease. Am i right in thinking that EMS is separate to cushings? She hasn't been diagnosed with it, nor is she being treated for it. The only treatment prescribed has been pergolide. Are the insurance just linking the two diseases and is this acceptable?
Many thanks

 

[Birker2020]

i think what its saying is that horses with IR go on to develop cushings and laminitis and therefore it is all linked to EMS under the same 'heading' if you follow.

In the same way a human can have a sore throat or a nose that drips or a cough completely separately and it doesn't mean anything, yet if the three are present at the same time it probably means you are more likely to have a cold.

Probably haven't explained that very well.

Here is a site that probably explains it better than I ever could!
http://www.cvm.umn.edu/equinegenetics/ems/cushings/index.htm

 

[alsiola]

It depends on the reason for the IR. If it was entirely secondary to the Cushings, then your horse does not have EMS, if it existed in its own right then your horse may have both Cushings and EMS. I would assume that if the disease has been controlled with pergolide only, then EMS was not also occurring.
In this case, it is perhaps a little presumptious to exclude for EMS, but I am not at all surprised. If I was an insurance company I would do the same thing - exclude for any endocrinopathy that could be linked to laminitis. I very much doubt that any amount of appealing would get this exclusion lifted.

 

[itsonlyme]

Thank you both, that's great