Insurance

[Bettyboo1976]

Why is it that Horse Insurance companies only let you make 1 claim against the animal and then exclude that part of the animal from any further claims.. if my horse was a car i could claim against lets say the wing 3 or 4 times but if my horse goes lame then i can only claim against the leg once then the leg is excluded.. kida defeats the purpose of insurace a little?? Feel free to discuss

ATM, my horse is insured for 3 legs..

 

[jumpthemoon]

I agree it's pretty irritating! Although it seems odd the whole leg is uninsured...what injury did your horse have? Mine fractured his splint bone and initially I was told the whole leg was going to be excluded, but I queried it and they changed it to the splint bone on that leg being excluded, which is fair enough, I suppose.

 

[Darkhorse]

I suppose they see it as a weakness and therefore exlude it to prevent paying out on further claims...

I have a huge claim in for colic and peritonitist which goes way over insurance limit of £5k so I fully expect a whole host of exlusions on next years policy.. In fact Im not sure I will bother again.

 

[dianchi]

People dnt challenge their exculsions enough if you learn the system its fine.
My Mare had high suspensory damage, Deep cut into the fetlock joint and colic and i now have no exculsions on the policy as per their terms and conditions