Is it worth arguing a insurance exclusion?

[poiuytrewq]

I have declared a horse as having had a tendon injury to an insurance company.
The injury was accidental, horse struck into himself damaging his SFDT. I knew this would be excluded.
They have excluded all legs, I didn’t really expect that!
So I could argue it, but, if horse was in the future to damage another sfdt realistically would it require an insurance claim?
I’m thinking scan, box rest not a huge amount I could do about it even with insurance money behind me right?
Stem cell maybe?
Worth a call or is an exclusion an exclusion and not worth trying?

 

[Tiddlypom]

Worth a call. Make it clear that he struck into himself, so it was an external injury.

Not sure I’d bother to insure a horse if all of its legs were excluded...

 

[Roxylola]

If you did get it lifted, I'd still expect them to wriggle out of paying in the future for anything other than a clear external injury.
No harm asking, but I'd be cautious of relying on it

 

[poiuytrewq]

Sorry, my fault that was unclear. It’s not the entire legs but superficial Flexor tendons in all legs.

 

[chaps89]

You've nothing to lose by asking the question.
They may not take it off right away, but chances are they might review it after a period of time if the horse is in work and remains sound for example.
Usually they would still consider a claim for an excluded area if it was an external injury, for example leg caught in wire. Less likely if horse sticks his leg down a rabbit hole though.

 

[Orangehorse]

My horse had an injury which meant box rest, rehab at a livery yard and a biggish vet's bill which was paid. When the renewal came there were lots of exclusions, but I argued that the horse had recovered and returned to previous activity and had won in the show ring since the injury and was back to normal. I think that full cover was reinstated.

I didn't have to test that as I didn't have another claim, and now he is too old for insurance anyway.

Certainly worth arguing.