How to have this conversation with insurance company....
My gelding was just diagnosed (via genetic testing) with PSSM and has been exhibiting symptoms for a few months. Not knowing what the heck was going on and not having an official diagnosis or treatment plan, I just rode it out.
Now that he is technically diagnosed, but not treated (it's dietary only) should I be calling insurance to let them know? I only have mortality with $3000 for colic surgery. He is insured for $8000.00 in value as he is just my pleasure horse.
Loss of use coverage can be pretty expensive and now you've got a pre-existing condition. Talking to the agent is a good idea. You can also review your policy and see what it says regarding such situations; you may not have to tell them now, but will likely have to tell them when you renew.