Well Arnie was vetted today......

Batgirl

Batgirl

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And he was sound throughout the vetting, fine on flexions etc, fit and well however he has a mild swelling down the outside of his hock (think windgalls) that were not causing any issues and vet thinks will not cause any issues and I am happy to go ahead in principle but I now have to see what exclusions there might be on his insurance :(

Any companies particularly good at not excluding things??
 
You only have to supply a veterinary report if the horse is purchased for a certain value though, so I wouldn't assume exclusions.
 
Good news! V exciting for you. Lots of fun time ahead.

If it is windgalls, I don't think they do generally impact soundness or performance on their own. I was told indicative of hard work on hard ground but I had a horse with windgalls on all 4 and he passed 5 stage!
 
Batgirl said:
Yay on the insurance front, the insurance company don't require a certificate because he is less than £5000!!!!! Whoop whoop!
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But they will require you to declare anything which might be relevant at the time of cover, which would include the swelling on his leg... If you don't, and there's a problem later on, they could void your policy.
 
Whoooo hooo!! x Its soooo exciting when they pass the vetting! My mare gets windgalls if she is stabled after competing but they dont effect her x

Photos!!! x
 
AMH said:
But they will require you to declare anything which might be relevant at the time of cover, which would include the swelling on his leg... If you don't, and there's a problem later on, they could void your policy.
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I did wonder about this however they ask if he has claimed on insurance before, if he is sound (which he is), and they ask the following which I can answer not to:
Has the horse/pony suffered any accident, sickness, disease, lameness, colic, sprained tendons, been fired or denerved, operated on for wind or respiratory defects or suffered spells of coughing or been involved in any accident involving a complaint or claim by any person?
 
Batgirl said:
I did wonder about this however they ask if he has claimed on insurance before, if he is sound (which he is), and they ask the following which I can answer not to:
Has the horse/pony suffered any accident, sickness, disease, lameness, colic, sprained tendons, been fired or denerved, operated on for wind or respiratory defects or suffered spells of coughing or been involved in any accident involving a complaint or claim by any person?
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There's likely to be something on the documents or the proposal form which says something along the lines of 'anything else which you might deem relevant' and the swelling would fall into that category. If it's been noted on the vetting report you should disclose it - they could deem it to be a material non-disclosure if you don't and they ask to see the vet report in future when they're assessing a claim.

Best to be up-front from the start - if it's a reputable insurance company they shouldn't apply an exclusion. Or, if they do, ask if it can be reassessed in, say 3 months time - if the horse has had no problems, ask for the exclusion to be removed.
 
AMH said:
There's likely to be something on the documents or the proposal form which says something along the lines of 'anything else which you might deem relevant' and the swelling would fall into that category. If it's been noted on the vetting report you should disclose it - they could deem it to be a material non-disclosure if you don't and they ask to see the vet report in future when they're assessing a claim.
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If the horse has been passed as suitable by the vet doing the pre-purchase examination then they have deemed their findings as not relevant to the future soundness of the horse. It is therefore entirely justified to not disclose this to an insurer as they only ask for relevant findings.
 
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