Underwriters often impose exclusions on equine policies for conditions which have a possibility of recurrence. Sometimes these exclusions are placed at the start of a policy based on information supplied such as conditions mentioned on a Veterinary Certificate and other times they are placed at the renewal of a policy when a claim has been made. It is important to understand that equine policies are normally annual contracts which mean terms can be altered at each renewal. Sometimes exclusions are placed at a renewal when you have not yet completed a claim. This does not affect the claim that is in progress, it simply means that you cannot then claim again on the following year’s policy for the same incident.
Sometimes exclusions are reviewable after the horse has fully recovered and if the Underwriters veterinary advisors are satisfied that the condition is unlikely to recur. It is always therefore worth discussing any exclusions fully with your broker who can then put your case forward to the Underwriters.
However do bear in mind that you will not always get the outcome you would wish as Underwriters experience in terms of recurring problems may differ greatly from that of your own vet. In short though, it is always worth discussing any exclusions that you feel are unfair with your insurer as they can often get them either lifted or the scope of them reduced.