Insurance..what would you do?

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longtalltilly

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After my horse having stem cell therapy on a Tendon injury in April My insurance company have finally agreed to cover the claim. However, he went lame on the same leg last Aug, after sufficient time off (i think about 6-8 weeks) and a couple of vet checks he was fine, completed a couple of ODE and had been fine. I didnt make a claim for this condition at the time as he wasnt scanned and I think it was a case of me being abit of a neurotic mother as he was only actually about 1 - 2 /10 lame! Anyway the insurance company have said that they will cover the vet fees until 20th August 09 (which is fine and I shall only really need to fork out for more scans as the bulk of the claim has been paid) but is it worth me trying to get them to extend the timescale as he had been fine and in full work for 6 months after that initial lameness.(newmarket think it was a check lig prob before and this time He did his SDFT) or do I try and claim what I paid out originally for two call outs and examinations?!

Usually I wouldnt bother but I pay over £70 a month and have already forked out the excess, stabling etc!
 
QR
It really depends on the insurance company. But the general terms are that they will pay for one year on that condition regardless of whether or not the horse was better for a while during that year. That condition is then generally excluded from cover moving forwards.

It is worth checking you small print. Also do you not have cover for the stabling if he has been away for treatment! Most policies will give a % of the vets fees for things like alternative stabling, treatment and transportation costs
 
No my insurance doesnt cover my stabling for just the odd night - longer stays are different, which I knew when I took out the policy. technically speaking the injury from last year was different as they are saying it was a check ligament and not the SDFT which he is being treated for.
 
You will need a written report off your vet that comfirms that the two lameness issues were unrealated. Once your insurance company has this they should be able to reassess wether they'll change the start date of the claim.
 
Hmmm thinks ill be needing to spend abit of time on the phone this afternoon! however even if the written report is not attainable or they wont accept do you think I could claim back what I paid last year?
 
You should be able to claim the money back from the first set of vet visits, if this is the date that your insurance company are using for the start of the claim and they're saying it's related to the claim your currently making.
 
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