Lameness and insurance

[Pick and mix]

My horse went to have a lameness work up done he initially wasn’t right behind but looked a lot better behind no lamness was ever present just losss of impulsion / looked a lot better the vets however did throw up a lamness in front that wasn’t there the week before so had X-rays ect and front was fine , on X-rays but decided if was no better in ten days to mri scan of lameness still present , however hocks were X-rays as he’s a connie and shows arthritis in there so will need injections ect ,

To me I feel it’s to seperate claims ? As forelimbs is a new condition wasn’t there the previous week the vets examined at home ,

Anybody else been in the same situation ? Thanks in advance

 

[Sossigpoker]

Insurance will probably say that it's connected as the front end lameness is probably compensatory from the hock lameness if nothing shows on x-ray /scan.
My boy had the same symptoms, short behind and lacking impulsion, also appeared to be not right in the front.
He had a bone scan which showed hot spots in front limbs as well but these turned out to be compensatory issues (no issues seen when x-rayed)

 

[Pick and mix]

Insurance will probably say that it's connected as the front end lameness is probably compensatory from the hock lameness if nothing shows on x-ray /scan.
My boy had the same symptoms, short behind and lacking impulsion, also appeared to be not right in the front.
He had a bone scan which showed hot spots in front limbs as well but these turned out to be compensatory issues (no issues seen when x-rayed)

We prob won’t know until has mri scan really but hoping he trots up sound at next recheck but vets feel is to seperate issues as was awful the week before behind and absolutely fine in front

 

[SEL]

It depends on your policy wording. My old petplan policy every separate condition was a separate claim - which hammered me for the excess

 

[Lamehorses]

I was with nfu. It was cause of lameness that decided if related. He had osteoarthritis in front coffin si & hocks - 1 claim for oa. Also found suspensory damage during treatment, new condition, separate claim

 

[LJF0664]

I’ve just had a claim with E&L for Suspensory ligament and Arthritis which were both discovered from the same investigations. They split them out as separate claims, just required the vets to invoice them separately. It’s worth asking, the worst they can do is say no. It saved me enough money to pay for a new saddle as with all the rehab work she changed shape

 

[Melody Grey]

I’ve had the same experience as @LJF0664 with separate claims with E&L though it might depend on your insurer.

Many of my claims have also included ulcers, most often a result of whatever else I’m claiming for, so not sure they really relate conditions together in my experience.

Separate claims is always better I think as it doubles the amount you can claim for. The excess has been the least of my worries in this situation.

 

[Pick and mix]

It’s just a worry as if all one can’t afford to to mri treat the front and sort his hocks out all with the one claim

 

[criso]

I had 2 claims on the same leg at one point. Suspensory injury and just as recovering, got worse, didn't nerve block to the suspensory and turned out to be a bone cyst in the shoulder.

NFU accepted them as separate claims, I may have struggled the other way round though. They could have argued that the shoulder issue put strain on the soft tissues but couldn't this way round. .

That was with NFU, at one point they excluded the opposite leg so if you had a near fore issue they would exclude the off hind but not been with them for years so may not be the case now.

 

[Zoeypxo]

Years ago nfu paid out for SI hocks and ulcers all on 3 different claims, it got very expensive and they paid it all.
My renewal after that and the exclusions were eye watering, so shes now just got catastrophe insurance.
At the time though nfu were brilliant