If you file a claim on your horse all carriers will place an exclusion on the renewal term however, if the condition will heal and the horse returns to normal from said condition some carriers will review to remove the exclusion at a later time. We always encourage you to use your Insurance first and we’ll assist with a review of any exclusions that may arise in the future. Not all exclusions are reviewable, but don’t let that discourage you from using your Insurance and getting your horse better!