Insurance question

[smolmaus]

Sorting insurance in advance of Sadie arriving on Friday! She does have sweet itch and there is a question on the insurance quote (Insurance Emporium)

9. Has your Horse ever been examined in respect of, treated for, or diagnosed with:

x Allergy
x Skin condition

Briefly describe the circumstances

Obviously sweet itch is kind of an allergy and kind of a skin condition but she has never needed any vet treatment for it, it's managed reasonably well with rugs etc. What is the correct answer here so I don't do an insurance fraud or increase premium unnecessarily? It has been said that technically I don't need to declare it because she's never been officially diagnosed with anything and in the future if she needs additional treatment for anything skin related then I could claim for it but that feels dodgy!

 

[SusieT]

Having just posted on an online forum you have stuffed yourself a bit with not declaring it as internet is not private.
I would declare it as sweetitch if you know she has it. She won't be covered for it.

 

[smolmaus]

Having just posted on an online forum you have stuffed yourself a bit with not declaring it as internet is not private.
I would declare it as sweetitch if you know she has it. She won't be covered for it.

Oh I know, she's also all over the rescue FB page in her fly rug anyway so wouldn't be much chance of saying I didn't know she had it. More like, she's never had veterinary treatment for it or been actually diagnosed by a vet which is the actual question. I wouldn't like an insurer to never cover anything related to her skin because of it just.

 

[poiuytrewq]

Yes just say. In the future even if a claim is totally non related if you haven’t been honest they can refuse to pay.
It won’t increase your premium it will just probably be an exclusion.

 

[smolmaus]

You're right. I'm not going to out loop-hole an insurance firm like, am I. AH WELL worth asking anyway just so I don't second guess myself later and get annoyed about it.

 

[poiuytrewq]

You're right. I'm not going to out loop-hole an insurance firm like, am I. AH WELL worth asking anyway just so I don't second guess myself later and get annoyed about it.

When I got my quote (also emporium) online and declared my horses past injury the actual premium stayed the same. They tried to exclude all legs but I argued that as it was ridiculous, they then swapped it to exclude just tendons and ligaments in the one leg.
I imagine they will say “sweetitch and related conditions” are excluded from yours.

 

[ArklePig]

I cannot help but I am SO HAPPY FOR YOU. You must keep us updated with all your progress.

 

[smolmaus]

When I got my quote (also emporium) online and declared my horses past injury the actual premium stayed the same. They tried to exclude all legs but I argued that as it was ridiculous, they then swapped it to exclude just tendons and ligaments in the one leg.
I imagine they will say “sweetitch and related conditions” are excluded from yours.

We shall see when the policy documents come through! She is essentially a free pony so she can burn through the 5k budget I had planned to buy with on rugs and potions before I start resenting it lol

I cannot help but I am SO HAPPY FOR YOU. You must keep us updated with all your progress.

I'm swinging between glee and panic like a Newton's cradle ??

No photos until she's safe in the stable, would be bad karma. You can come visit though! You're close enough and probably not a murderer I think ?

 

[ArklePig]

I can guarantee you I'm not a murderer and I would LOVE to visit her so will hold you to that ?

 

[Dave's Mam]

So exiting!