another 'is this normal' question

[Lily]

So I got a renewal letter from my insurance company (that insures one of my horse), filled it in and sent it back a few weeks ago. In the year, I have unfortunately had to make 2 vet bill claims on that insurance for 2 separate issues with this horse.

I now have a letter saying that although the premium is staying the same, they will not cover anything related to the first issue for the remainder of the horses life (which unfortunately, could be an ongoing issue), and will not cover anything relating to the other issue for 12 months.... (and says the horse has to have been in full work for 12 months before they will 'reinstate' that part of the cover.

Do all companies do the same thing once you have made a claim, or did I choose the wrong company? And is there any point even trying to move companies now I had to claim on the first one (and will of course have to give that info to any new company). Would they even consider insuring him?

:confused::confused:

 

[magic_impact]

Apart from anything, how could you prove that the horse has been in full work again for 12 months if you did have to make another claim for that issue in the future? seems like an odd clause.

I don't have mine insured, so can't help with the rest, but that bit just stood out to me as strange.

 

[Nikiwink]

As an extension of that then what is their definition of "full work" i wonder??

 

[needanswers]

I'm guessing it was a leg injury. They could easily see that your horse has not been in full work if your horse is still lame as a result of the injury
Seems dodgy to me.

 

[Lily]

I'm guessing it was a leg injury. They could easily see that your horse has not been in full work if your horse is still lame as a result of the injury
Seems dodgy to me.

no, there were no legs involved actually and no visible lamness. But certainly the vet that has been treating him would be able to assess him and say whether the injury was resolved and he would also be able to tell if he was being worked, so maybe they call on the vet to confirm that info, I dont know!

Once I have some more answers from them I will post back here for anyone interested in hearing about it.

 

[Nikiwink]

See i'm not so sure a vet could say for sure horse has been worked or not - because then they have to define full work etc. You could free lunge him everyday and that could be classed as full work as the horse is getting forced exercise. And yet the horse doesn't look any the worse for it as their are no major outside influencing factors.

Will be interesting to see what petplan say in response to your questions Magic.

 

[Coda Cowgirl]

yep pretty much standard. had no claim but had to tell petplan about a puncture wound to a horses knee so they excluded the knee from the renewed policy. Just like if you get a major colic they can then choose to excluse colic from the policy.

 

[Pockets]

Kinda defeats the purpose of insuring.....

 

[needanswers]

Did you get an answer to this??

 

[Lily]

ok finally spoke to them.... the way it works is the insurance is for 1 year, and I just had to renew. Because I claimed on 2 issues, they consider that 'pre-existing' for the next insurance period. In the case of 1 issue, it is known to be something that can reoccur over and over, so they wont cover that for the rest of the horse's life now. The other one, I have to make a witnessed declaration that the horse has been in work for a year without any reoccurance, then they will take that off the 'exclusion list'.

I also confirmed I have 12 months to claim on either issue from the first date of my claim, in this case, I have 7 more months left in which I can spend money on the vet and have it covered, after that I am on my own.

Interestingly, I enquired as to the issue they are excluding for life, if after treating it again now, if the horse needs continuous and ongoing (and possibly very expensive) treatment after the 12 month period, and I feel I cannot afford it and have the horse pts, the insurance will not cover that as they consider it a voluntary euthanasia so the cover will be excluded. That was a purely hypothetical question just for interest though and not something I am considering.

 

[Juraf56]

Apart from anything, how could you prove that the horse has been in full work again for 12 months Carton déménagement double cannelure if you did have to make another claim for that issue in the future? seems like an odd clause.

I don't have mine insured, so can't help with the rest, but that bit just stood out to me as strange.

Myślę, że tylko weterynarz, czyli ekspert mógł to rozpoznać.