Tiddlypom
Carries on creakily
Did you get any sort of discount on your premium to keep the policy running with all those conditions excluded?
Did you get any sort of discount on your premium to keep the policy running with all those conditions excluded?
Hopefully they’ll cover the knees if not I agree with cancelling you could always look into one of the catastrophe cover policies going forward. Also agree knees may be just sore from the fall. I’d worry about saddle fit and to shoe or not after you’ve decided what to do with the kneesActually, funnily enough, they put it up!
They are taking the pee!Actually, funnily enough, they put it up!
Thank you, I really appreciate your response.
The vet checked the day after she went down on her knees. She may have rolled on a stone or something that I missed but I don't know.
There doesn't seem to be much heat in her knees now, she still looks stiff in her shoulders, I think or could be knees too, in trot though but that's prior to warming up aside from walking in hand around the school for 5 minutes and asking her to trot freely. She has had the last 2 months in very light work, first 2 weeks of it was just time off after physio and since then, it's been probably only once a week of either a 10 minute free school, just leading around over poles or a very short hack. I did ride her yesterday in the new saddle though and she was full of it as always. She's also been galloping around like a nutter in the field so not feeling too uncomfortable it seems.
Xrays from last year when I was getting her SI and back legs investigated showed extremely slight osteoarthritis in the hind pasterns which may also be a contributing factor along with being croup high and now 15 years old too so perhaps more wear and tear than normal. The SI injections showed no difference so it may be the arthritis or conformation causing the discomfort over that area too, maybe compensating on top of that with the front legs?
I just can't decide if it's worth it or if the supplement and regular physio will be the way forward anyway but I don't want the insurance to exclude it now that I've mentioned it but I also don't know if it's worth putting a claim in as that is still a risk.
Perhaps I'll get physio out again and a little more time off/in hand walking.
Thank you for your advice. ?
They are taking the pee!
Your physio made you hold each front leg up for 20 mins? That doesn’t sound good. It must have become uncomfortable for her (and for you). Does your mare usually kick when having physio?
How can the horse be relaxed enough to benefit from the physio if it’s fighting having a leg lifted?
Did you get any sort of discount on your premium to keep the policy running with all those conditions excluded?
It was meant tongue in cheek, really, but there is so little of the horse left covered that OP is right to query whether it’s worth continuing the policy once this latest issue is sorted. There will be more exclusions put on after this anyway, as vet has seen the knees and insurance company is also aware.
Just makes me even more glad that I self insure and don’t have to put up with all this nonsense any more.
That really doesn’t sound good, and very counterproductive for your horse. Dont use that physio again - she may be keeping herself safe which is fair enough, but not in a way which may strain and harm the horse (or you) .Yes, she made me hold each front leg up while she treated the opposite side to prevent her kicking, although I don't think she would have, she can threaten but she wouldn't have been kicked when she is stood by her shoulder anyway. I'd say it was about 20 minutes, maybe a little less each side but it felt like it went on forever as I was starting to ache too. The amount of times she yanked her leg out as well, I was being told to try and hold on but she would end up really protesting, trying to rear up but only landing on the other leg that wasn't being held. So that probably hasn't done her any good at all coming to think of it
The insurance has confirmed they will consider a claim for arthritis in the front legs and this isn't excluded.
Exclusions are ulcers, forelimb conformation (not sure what this would be), front feet (not sure why), croup high conformation, straight hind limb conformation, back and spine, osteoarthritis of pastern joints (havent specified which, might question them on this and why the front feet and forelimb conformation is excluded), enthesiophytes in hock joints, sacroiliac and "all related conditions".
They have said they will consider it, not that they will pay. But with the exclusions you quote (below) they have every right to refuse under the forelimb conformation and the croup high. I'm concerned for you that you don't end up with an unexpected bill.
That really doesn’t sound good, and very counterproductive for your horse. Dont use that physio again - she may be keeping herself safe which is fair enough, but not in a way which may strain and harm the horse (or you) .
It reinforces what has been suggested earlier, which is to get as much as is not excluded checked out as you can, the neck, the lot, while you can. That physio session could have hurt your mare - if it is as bad as you say, it could be worth an official complaint to her licensing body.
Was the mare sedated this time?She is the physio the vet recommends too which is frustrating and she has usually done a good job. I just can't afford to get the vet out to sedate her every time and the physio won't treat her otherwise.
Was the mare sedated this time?
The forelimb confirmation exclusion does give the insurance company every opportunity to reject pretty much anything from the front end, as wonky legs can put strains on all sorts of things from the front end of the horse to the back. ’Considering’ a claim for the knees is not the same as ‘accepting’ the claim.
That’s unfortunate, but the physio should have aborted the session when it became clear that the mare was so reactive. It was dangerous to proceed. The guidance for any professional involved in treating humans or animals is ‘do no harm’. Well, she likely did do harm by straining the horse and putting you in danger. That is a serious error.She had Sedalin as I had some left but the physio was half an hour late so it had worn off.
That’s unfortunate, but the physio should have aborted the session when it became clear that the mare was so reactive. It was dangerous to proceed. The guidance for any professional involved in treating humans or animals is ‘do no harm’. Well, she likely did do harm by straining the horse and putting you in danger. That is a serious error.
A months Danilon trial will buy you time to think about your options. Many horses are kept comfortable enough for light work on a Danilon a day, so if it works, you could keep her on it. She clearly has had a lot of other issues in the past, and it may not be possible to fully fix her.
Reckon I pay £46/month for 1 sachet of Danilon/day by purchasing on line. That’s including the £25 cost of a 6 monthly prescription from my vet.Longer term cheaper to get a prescription and buy on line if your vets aren’t competitive on pricing
It was meant tongue in cheek, really, but there is so little of the horse left covered that OP is right to query whether it’s worth continuing the policy once this latest issue is sorted. There will be more exclusions put on after this anyway, as vet has seen the knees and insurance company is also aware.
Just makes me even more glad that I now self insure and don’t have to put up with all this nonsense any more.
Reckon I pay £46/month for 1 sachet of Danilon/day by purchasing on line. That’s including the £25 cost of a 6 monthly prescription from my vet.
I agree, I’d squeeze the last bit of insurance out, if the knees are covered, then cancel. Too many exclusions to make it viable
Bute is cheaper if the horse will eat it. Ive just paid £87 for 100 sachets
She does eat it but I'm worried about the effects it would have on her stomach as she has had ulcers in the past.
Is she normally difficult to handle, touch and groom? Wondering why she is so tricky for the physio that she has to be sedated for a routine treatment. I’ve known of horses being sedated for a necessary deep manipulation which would be uncomfortable, but not for routine treatments. IME they enjoy the physio/chiro, even my especially wonky mare does.