Sorry to post about this again! I just have a quick question. My horse has arthritis in his hocks, I claimed on the insurance for it last year as he was lame and had nerve blocks etc.
It’s now looking likely he has it in his knees too, now I assumed it would be exempt from the insurance. The insurance states “excluding claims resulting from, or connected to spavin.” I always thought spavin was another name for djd/arthritis, but google tells me it’s connected to the hock. And I assumed arthritis in his knee would be carpal spavin? I’ve have nearly enough saved for his treatment, but that’s only if it is his knees! We’re going straight for xray and medicating if it is. Ideally I’d like nerve blocking done to locate where the issue is with him, but I just can’t stretch to that 
Sorry if that doesn’t make sense, I’m just trying to find a loop hole!