After a few phone calls today we may be pulling Wilbur out of pasture for a hot minute to get some additional diagnostic work done at Pioneer.
I'm not quite sure what I was expecting out of my equine insurance policy. I thought perhaps it was like a car insurance policy- you run into the side of your garage and your premium goes up but they still cover your bumper should you happen to do it again.
Not so with a horse, friends!
Wilbur came back from his July horse show a little sore in both front. We took him up to Pioneer to have some baseline x-rays and coffin joint injections. When he went back into work in late August it was clear that he was still sore- particularly on the front right.
I guess I was a little naive in assuming that should he still have issues after coming home from his break in March- that those diagnostics would be covered. Unfortunately the insurance coverage renews every year and the claims agency places an "exemption" on all pre-existing conditions. Since the vet did not determine an exact cause for the soundness issues- that exemption will essentially be his front legs. Meaning should he go back to work and end up lame (or worse) all medical will be out of pocket.
I actually feel a little bit blind-sided. I had thought that by dropping him into pasture that I was saving everyone a bit of time and money- hoping that he just needed rest. Our policy renews on December 3rd but we have an extra 30 days coverage on the policy.
I had a lovely chat with my vet, Natasha, today and she recommended some additional x-rays and perhaps and MRI. Hopefully we can uncover the issue and get that exemption limited in scope.
So I think I'm making the best possible move by having further vetting rather than hedging my bets just on time off.
To my fair my insurance agent has been wonderful in walking me through how best to manage the policy to my advantage.
Fingers crossed! And on a totally selfish note- I'm excited to see my guy again in the new few weeks!