nfu insurance, changes to exclusions -recommendations?

NeverSayNever

NeverSayNever

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ive had my renewal though for my insurance and i note they have made a change - i didnt have any exclusions on my policy and have nver claimed.. but there is now a general exclusion "that means your animal will not be covered for any condition it has suffered prior to this renewal"

so basically, if my horse developed a problem, i can only claim for it for 12 months, and once my renewal comes round i can no longer claim???

can anyone recommend me a company that doesnt do this?
 
Sorry my friend I think you will find this is common to all insurance policies. As soon as any condition is claimed on that condition, other than an accident, will be excluded from the renewed policy. Its the way the insurance comapnies reduce their claims ratio. After 12 months of treating the condition or when the claim limit has been reached they are well within their rights to exclude it from further claims. If you change insurance companies they will not pay out for the same condition as it is pre exisiting and therefore has to be declared.
 
Nfu are behind the times as many companies have done this for quite some time.

I have been insured with NFU for over 10 year and I think that they are really good.
 
Every now and then I wonder if I am wrong not to insure my three boys. I've got no doubts now. Claiming after your policy renewal date for something your horse gets next week is not the main problem. If the quotation is word perfect then it means that if your horse had pus in the foot three years ago, or a cough ten years ago then it is not now covered for treatment for a cough or pus in the foot! I know all insurers exclude pre-existing conditions, fair enough, but surely they don't routinely exclude historical and cured one-off conditions like that?

The cost of vets bills is the problem. Over the last thirty years I have seen more and more vets do more and more treatment and diagnostic procedures that are either for their own interest and won't change the horse's treatment, or appear to be simply to run up the bill.

The worst one I ever saw was a horse who had nearly severed her fetlock, who was patched up so she could be a brood mare. The University Vet Hospital decided that they would do a hair transplant of some tiny circles of hair taken from elsewhere on her body onto her massive bald scar. WHY?

The increasing exclusions from insurance must be a nightmare for those of you trying to keep horses on a budget. If your horse has colic once, then you know that next time he gets it you are going to be bankrupted. You can't sell him just cos he had colic once, can you?!?

Has anyone been refused payment on the basis that their horse had the same condition cured years before?
 
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