You are buying a horse. The seller discloses he had colic surgery 3 years ago. You call to insure him. The insurer says, “We will insure him, but we exclude the gastrointestinal tract.” You are now paying for Major Medical that won’t cover the one thing most likely to kill him.
Key Takeaways
- The Exclusion Rider: Insurers will place a specific exclusion on any body part with recent history (e.g., “Right Front Fetlock” or “GI Tract”).
- Duration: Exclusions are not always permanent. They usually last 12-24 months.
- The “Review” Process: You can petition to remove the exclusion if the horse stays healthy for a set period.
- Disclosure is Mandatory: If you hide the surgery and he colics again, they will find the scar/history and deny everything for fraud.
The “Why” (The Trap): Risk Management
A horse that has colicked once is statistically more likely to colic again. Insurers cover unforeseen risks, not likely ones.
The Clause:
“This policy excludes coverage for any claim arising from or related to the Gastrointestinal Tract.”
Note the words “related to.” If he gets an ulcer, denied. If he loses weight, denied.
The Investigation: Getting it Removed
I asked an underwriter how to clear a horse’s record.
- Colic Surgery: Usually a 24-month exclusion. If no episodes occur in 2 years, you submit a vet statement, and they remove the exclusion.
- Resection: If intestine was removed, the exclusion might be permanent.
- Lameness: If he was lame, you need a clean X-ray/Flexion test to remove the exclusion.
Comparison Table: Common Exclusions
| Condition | Typical Exclusion Period | Removal Requirement |
| Medical Colic | 12 Months | Vet Statement of Health |
| Surgical Colic | 24 Months – Permanent | Vet Statement + Time |
| Ulcers | 12 Months | Clean Scope |
| Bowad Tendon | 12-24 Months | Ultrasound |
[IMAGE: Screenshot of a policy endorsement listing “Specific Exclusion: GI Tract”]
Step-by-Step Action Plan
- Ask for the Date: Know exactly when the exclusion expires. Mark your calendar.
- Submit the Proof: The insurer won’t remove it automatically. You must ask and provide the vet letter.
- Shop Around: Some carriers are more lenient. If Markel gives a permanent exclusion, try Great American.
- Agreed Value: Even with the exclusion, keep the Mortality coverage. If he breaks a leg, you are still covered.
FAQ
Does the exclusion apply to Mortality or just Medical?
It can be both. If he dies of colic, and colic is excluded, you get no mortality payout. Check if the exclusion is “Medical Only” or “Full Policy.”