I hope they do pay out, but insurance companies will try and get out of paying if they can!!! my pony was insured for just over 2 years with the same company on a good policy that covered him with vet bills untill he was 25 years old i made no claims until a few weeks ago, when the vet treated...
I had my pony for 18 years, i was a single mum for quite a few of those years and yes it can seem hard at times when livery, farrier ect are due, but all i can say, is he kept me sane!!! he was a great friend and cheaper than a psychiatrist!!! Lol,