?Negligence and Insurance Exclusions

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__Annie__

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Brief history:

Some of you may be aware that my mare has been lame since July.

The vet suspected navicular : nerve blocks, x rays (showed no change ) , circulon amounted to just under £500 which the insurance has paid less the excess

The farrier(used for past year) concluded the problem was not her feet. He made no mention of corns.

Present:

I asked another farrier for a second opinion
He found corns on each fore

So, if it turns out that the problem was corns all along and IMO these were caused by bad shoeing then should I accept the insurance company placing exclusions on her policy?
I'm thinking that if my mare had received good shoeing then she wouldn't have had the problem.

I've had her for 11 years , she's never had corns until we moved here and changed farrier.

Sorry, bit of a rant as I am fuming over this situation
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Thanks for listening to my ramblings
 
I would want my vets to right to the insurance company and explain that in their opinion the corns were the cause of the lameness - also giving an explanation as to why they didn't spot them.

Corns aren't necessarily the result of bad farrery, some horses are prone, and good farrery can prevent them.

However, I think that your vets are totally negligent in not spotting this and costing the insurance company and you so much money.

Absoluty kick up a fuss about it.
 

The vet revisited her on Monday and said she isn't convinced the corns are the root cause. She also admitted that they(the vets) should have investigated the foot further..
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I've had my mare for 11 years. Previous to moving here she had no history of corns. She was shod by the farrier every 7 weeks on his recommendation(her feet have never been neglected)
When we moved here the new farrier visited every 6 weeks so I changed to that.

Thanks for your reply Amy, I'm so annoyed and worried about this.

I am and will be asking questions. Especially as I've used the same insurance company for my mare for the past 10 years ..

My old farrier has been very supportive (over the phone)and will be visiting us next Feb. for a holiday and to see my mare !
 
[ QUOTE ]
The vet revisited her on Monday and said she isn't convinced the corns are the root cause. She also admitted that they(the vets) should have investigated the foot further.

[/ QUOTE ]
Have you got a second opinion from another practice??
 
No

There are only 3 veterinary practices here
All are primarily small animal or farm animal
I picked the one with the most equine experience
 
How far is your nearest equine hospital or large animal vet practice??

You could also tell your insurers that you contest the findings and bills and would be happy for them to send their vet to examine the horse....
 
I'm literally on a rock
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and the nearest equine practice or hospital involves transport by sea
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.
Not out of the question but not ideal.
Thanks again, they are all good ideas
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I love it here but at times like this I just want to go home
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