Vetting sand insurance

[Caramac71]

I had a mare on trial which I insured as a loan with option to change to owner if we purchased her. A few weeks into the trial we had her vetted and bought her. I have sent receipt to insurance company for them to change policy to me as owner.

insurance company did not require a vetting due to her price. At the time of vetting the vet explained that the minor things he mentions in his report could be insurance exclusions although he would hope not (eg mildly positive to right fore flexi on but lunge on small circle on hard ground was fine).

so, am I supposed to send the vetting report to insurance company even though they've not requested it? And if I do, will they advise if there is anything they are excluding? I've had physio out today and she found and treated a couple of minor issues which correspond to the things vet picked up so would insurance company also want her report?

or do I just wait and if I ever need to claim in the future, then vet will disclose anything relevant from the vetting?

what is the correct thing to do?

 

[Shay]

If the insurance company want the vetting they will ask for it. Otherwise just hang on to it. Sending it in unasked could cause all sorts of confusion.

 

[Myhorseeatsmoney]

I agree with Shay. if the insurers have not asked for the vetting document there is no need to send it in as there does not seem to be any major problems. It is definitely advisable to declare it's existence later if a related problem occurs in the future as they will contact the vet to confirm anyway,

 

[Tnavas]

Only give information requested by the Insurance company. The problem picked up at vetting may now be sorted.

 

[w1bbler]

You need to chat to insurance co. My friend had a vetting done, minor lameness in 1 leg, so ended up with horse on a lwvtb whilst investigated.
Horse came sound, but later developed a sarcoid, no relation to lameness but ins. co refused her claim as she had not disclosed the vetting.
Your vet would have to tell the insurance co. anyway if something later came up related to his previous findings.

 

[JanetGeorge]

Vettings can be a right PITA where insurance is concerned. Some vets feel they HAVE to find something 'wrong' with a horse - even when there's nothing. I had a lovely big 4 year old filly vetted the other day - been backed barely 3 months and still unbalanced on the right rein. (The buyer was experienced and knew that!) But the vet wouldn't accept her being occasionally on the wrong lead, or disunited, when first put into canter right - and passed the horse for 'happy hacking'!! Thankfully that didn't fuss the buyer - but it WILL fuss her insurers! So she'll have to have it re-vetted at home or they'll exclude anything and everything that could be associated with a minor leg injury or back/joint problem!!

It would be worth getting your vet to check the 'issues' identified by the vetting - and if the horse is now 'all clear', give you a statement to that effect to attach to the vetting form.

 

[paulineh]

If the insurance company do NOT want a vet cert then DO NOT give it to them. All sorts of problems can happen if you give it to them. They can read into it and exclude things.

It is the same when claiming from them. I once had a problem with a mare that was given to me. The previous owner had claimed for a virus and when I took over the insurance there were a number of things excluded due to this.

 

[Nugget La Poneh]

When Nugz was vetted, the vet noted aloud that he has a splint and asked which insurer I was going to use. When I told him, he didn't write it down and explained that even though there is a splint, the Nugz was sound and that the planned insurer will exclude the whole leg for everything. I didn't think anything of it until my friend mentioned about her horse's leg being excluded and when asked why it turns out that he has a splint and so therefore nothing covered!

If they haven't asked, don't offer. As you said, they are not asking because of the price paid (and assuming stated to insurance co?). I think there is an industry standard price level, and also whether you are wanting LOU cover or not which invariably get insurers excited about exclusions