What does it mean?.....

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ldlp111

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Basically i have had my horses insurance renewal through, not only have they put price up by just over £50 but they have put an exclusion on.
It says:-

Excluding all losses arising directly or indirectly from the wound to the right hind fetlock that occurred in January 2011 (altho was actually feb!!)

What does that actually mean? and does it seem to fair to exclude anything indirect from the wound :confused:
 
i think it means something like if the horse gets arthritis and they think its because of taking more weight on that leg because the horse was injured on the other leg and was lame then the arthritis wouldnt be covered. That sort of thing.
 
Basically it means they will not pay any vet fees if the old fetlock injury flares back up, they will only pay for the first 12 months of any injury or illness. Although having had another read of your post the injury is not 12 months old I should ring them up and ask why the exclusion has been put on 5 months early . :confused:
 
I know they will cover for upto 12 months after injury on old policy so that doesn't bother me altho I will have to call and get them to change it to Feb don't want them diddling me out of a month.
But thanks for ideas, i might ak them what it actually means while i'm on the phone :)
 
i thought it meant that anything that happens to that wound, or to something that is cause by the wound will not be paid for
 
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