My horse came in from the field last night with a very nasty cut through his coronet band and done onto the hoof wall. It was very deep and impossible to make sure it was fully clean so I called the vet right away. Vet came out and treated. Back out this morning to redress and he will be back again on Monday. It?s going to be a lengthy process as when his hoof grows down it will need a cast to support it. With my Insurance I have an exclusion on his front feet. Absolutely nothing related. As a 5 year old he had concussive laminitis but easily treated. 4 years ago he went lame again due to a foot issue caused by confirmation. Bit of a long one but solved completely by having him barefoot. He has been sound and competing at a decent level ever since. So called the Insurance company today to report the injury to his coronet band and they said that it is very unlikely that they will pay out. Surely a trauma injury should not be effected by an exclusion! Has anyone had any success with fighting an Insurance company in these circumstances? If so, how? My vet has said that he will write a letter to support this being absolutely nothing to do with previous issues. I am pretty terrified as this is going to be an expensive one and although I will still do everything for my horse, this situation is what I pay Insurance for surely!
01-06-2018, 03:40 AM
Insurance exclusions- fighting them?
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