Will insurance cover this?

Caramac71

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We've had my daughters horse for nearly a year. When we got her she was rising 5 and very green. We had her on trial and vetted her at our yard. she was very unsettled at that stage and vet noted on report that she was green, spooky, tail swishing when ridden and kicked/bucked in canter. However he could find nothing physically wrong with her.

Over time, she settled down and everything improved. She would still put in a kick or a buck in canter, usually on the transition or if she was changing leg. She loved jumping and never bucked when jumping so we used poles/small jumps to progress her in canter with no issues.

We gave her a break over winter and she came back into work with a positive attitude. But over the last few weeks she started kicking out at leg aids, being girthy and sensitive to groom. She also dropped loads of weight over winter (she lives out) despite our efforts to maintain it.

We out her on a mare supplement and also changed her diet and started her on equishure. In that time she came into season. She was suddenly no longer girthy, could groom her everywhere with no reaction and she accepted leg aids. She was going forward into canter with no resistance.

A couple of days later that all changed. She still goes into canter without kicking, but once in canter she kicks out with her left hind every few strides. What is even more unusual is that she does this jumping as well as flatwork.

People around us have been quick to label her as naughty, and told my daughter she needs to ride through it. But it's getting worse and I'm not prepared to push her without ruling out pain. She is a sensitive mare and although she can be quirky and opinionated, I do think there is more to this.

I spoke to my vet yesterday and they are coming out on Friday. I have never had to claim on insurance before so I'm not sure of the process - whether I should be phoning them before the vet comes, or wait to see what they say in Friday.

Also I am concerned that as bucking/kicking in canter was noted in the vetting, although it was completely different to her behaviour now, whether this will give them reason to exclude this? The insurance company did not want her vetted, nor did they want a copy of the vetting, but I used my own vet for the vetting and I'm not sure if his report will be included as her history if I make a claim?

Do I just wait til Friday and speak to the vet about this? Or should I speak to insurance first?
 
Sorry to say and I hope I am wrong on this but I don't think insurance covers behavioral issues, but you will need to let the insurance company know of the vet's visit anyway and they will probably try to exclude any gut issues in future (just to put the boot in !) At least that's what happened to me when I had my mare scoped at my expense.

She sounds a really nice sort actually but I think I would be ruling out pain too in your shoes (if that helps).
 
I used to work for horse insurance...it may be covered if the vet diagnoses her behaviour due to an underlying illness, like gastric ulcers/hormonal issues etc. In regards to the vetting, if the vet relates her original behaviour to her behaviour now the insurance may not cover it as its pre existing!! you need to make your insurance aware and when the vet comes out take it from there!!
 
Thanks. My vet noted down that they are coming out to look at weight loss, change in behaviour and discomfit in canter. They said they would initially check back and do a lameness work up to rule these things out, although she suspected as we do that it could be hormones or ulcer/acid related.

I keep going round in circles with this, wondering if I should get my physio out again before the vet, and get saddle checked (although we have such negative experiences of saddlers I just don't know where to start), or just go straight for vet opinion. I have emergency funds but they are limited to a few hundred £s so kind of want to spend it wisely.

So I need to phone insurance prior to vet, whether I intend to make a claim or not?

Thank you for the advice.
 
yes, your insurance need to be made aware either before or after the vet! Although if you tell them before they may be able to advise you etc. Hope you find out the problem :)
 
When my horse was behaving in a similar manner, the vet came out a few times and we ended up scoping her and x-raying her front feet - the claim was put in as loss of performance which covered the whole lot. You might be able to do it that way.
 
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