need help with insurance claim!

hihosilver

hihosilver

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Hi

Will keep this brief!

New Irish horse purchased last year in April that was coughing. The vet took a blood test which came back with raised WBC and high liver enzymes. The vet advised me to leave and take another blood test in 6 months time. WBC normal liver enzymes still high but had gone down. Horse well and again advised to check bloods in 6 month time which was January 14. Liver enzymes high (300) so Vet did Biopsy and a scope to check for ulcers. Liver showed mild changes due to mild hepatitis and no ulcers. Horse treated with steroids and strong liver supplement. Liver normal now. The bill came to £2700 which has not been paid when I rang insurance said should be ok. I have since received a email saying that they wont pay as the condition was seen in the 2 weeks if insurance being taken out. I am sure this is correct but just thought I would double check as a lot of money to pay out!

Thanks in advance
x
 
Technically as its an illness they are right. They give themselves a 14 day period to avoid things like strangles which has a 14 day incubation period.
 
I'm afraid that if the condition was seen within 2 weeks of the start of the insurance cover then it will not be covered and you will have to pay it yourself.

The vet may agree to allow you to pay it in installments.

This is why it is important not to delay getting insurance cover.
 
This 14 day exclusion period was the reason why I didn't change my insurance when it came up for renewal this year, even though ive heard bad reports about the one I'm with, I was too worried to change in case the pony got ill in this time.
 
Agree with what the others are saying.

However, if your an existing customer with a policy due for renewal and no break in cover, then I can't see why they are applying the 14 day exclusion at renewal of your policy. I would of thought that the 14 dayer would apply to new customers only and not current existing ones.

Hope things turn out okay in the end.

Em. x
 
I think officially that they are in the right

However you could argue that you carried on with treatment following the phonecall with them that said you should be ok and perhaps wouldn't have knowingly taken on extra costs had you known at that stage that you weren't covered - after all an exclusion period is not a grey area and they should have told you this from the start. Only you know what was said at that phonecall but if you think in any way that you were told things should be ok then I would be asking them to pull the recording of that call and review it
 
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