Is there an equine insurance agent in the house?
June 16, 2009 8:23 AM Subscribe
This may be a longshot, even for the diverse crowd here at AskMeFi. My daughter's horse was diagnosed with Lyme Disease in January. We caught it very early and the horse has made a full recovery and is back to normal in every way. However, the annual renewal on our Life/Major Medical policy for the horse includes this clause. An exclusion for any loss or expense due to Lyme disease or any underlying related condition will apply to all coverages. Diagnosing Lyme is a bit of a judgment call as it is, and this seems like a huge get-out-of-ever-paying-any-claim-again loophole as pretty much anything that may ever affect the horse in the future could conceivably be blamed on Lyme Disease. The question for anybody that may have experience with this...is there any reason to maintain a policy with that loophole?