Quick Insurance claim question

[CeeBee]

One of my horses has developed noisy breathing and is breathing faster than he should. Respiratory infection was ruled out and he had a course of Ventapulmin and bute to see if it brought his breathing rate down.
Vet is coming to scope him on Monday and I want to claim on my insurance. I know they will ask me when the problem was first noticed, but just wondered if anyone knows how long ago is too long ago for them to agree to pay? I know this will be in the small print of my policy, but don't have it with me (at work) and worried I say the wrong thing!
Thanks to anyone who may be able to give advice

 

[why1040]

I think generally as long as he didn't have it (or noticeable signs of it) when you renewed or took out the policy, you should be okay...but I'm certainly no expert by any stretch of the imagination!

 

[BigRed]

Usually it is a year, so if you tell them you have had this problem on and off for the last 18 months, they won't be happy.

You should not have a problem if you tell the truth, that on X-day you noticed your horse had a problem and you called your vet, who did x- treatment, which didn't work. My insurance company - NFU will ask for a print out from my vet, for ALL the horse's vet history from day 1 of ownership, so there is no way to avoid telling the truth about consulting them on any health issues. I think this is pretty much standard.