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Hello, thank you for the information I now see a flexion test isn’t the norm which is good as I was concerned about that.I bought an elite foal and had a simple heart, eyes and breathing vetting. Limbs change so could only check a brief toe in out and lower limb. Limb conformations is changing from day one until at least 6 months and probably a year. You can only insure for accident/illness as conformation is pre exsisting or developemental so no cover. I am afraid you pay your money and take a chance