15months treatment then no payout on death

So sad for the pony, I hope the insurance company in no way affects the decision you need to make about him being PTS. It's good to post these things as I think many people are no aware of the 'get out' clause's insurance companies use until they have tried and failed to make a claim!
 
I agree with your point about the pony, it is sad. However, most of the comments above related solely to the fact that Rio thought she had been conned by her insurance company when clearly she didn't declare a material fact. Most insurance companies will pay out if you play by their rules and it's up to us all individually to ensure we're aware of them and seek advice if we're unsure.
 
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Most insurance companies will pay out if you play by their rules and it's up to us all individually to ensure we're aware of them and seek advice if we're unsure

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Nail on head!
 
Even if the pony had died of something else, you would have got very little money. They pay the insured value... OR THE MARKET VALUE IF LESS. The market value of a founderd pony is about £50... if it can walk in to the knackers wagon.
 
QR - Firstly shame about the pony
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, but have to agree with others, you really do need to play by the rules with insurance companies. They are companies after all and quite rightly are in it for profit, not charity.

Even though my insurance company only ask for details of the last 12 months treatment on renewal, I always send them a document I keep updated on my PC (yes my mare is that accident prone!), which details ALL the treatment she has received since I bought her in 2000! A bit anal maybe, but it saves time and worry that I will miss a detail out and it will get checked with my vets and they won't pay.

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Actually, I did, I have an ongoing suspensory ligament problem and insurance company have given extension of 1 year on the problem to see if it resolves.

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Glad this post happened though, as this was something I wasn't aware was even possible and I will keep in mind, as my mare's 12 month deadline is coming up in November for her current annular ligament/SDFT injury.

Can I hijack slightly though, as am a bit confused on the various answers - is what is being said that if say my mare x amount of months/years down the line is PTS in connection to her current ligament/tendon injury, she will not be covered for death payment or euthanasia costs?

Its all a bit irrelevent really, as someone has pointed out, her value will be less anyway and I will be revising her insurance accordingly at some point, but forewarned is forearmed and I like to know these things, particularly if they won't pay euthanasia/disposal costs.

Have to say that my insurance comany KBIS have been superb.
 
I used to be insured by the company with the poor reputation for paying out, (without naming names) but that said, they did state on the phone when I took out the cover that death from a condition that was ongoing for more than 12months would not be covered under the terms of the policy. My current insurer also made this clear before the policy was started. A good idea to read the small print maybe?
 
well its roused a few comments ,which i am pleased about,and at least 'doubletyme' may benifit from my post, thanks for all comments but to sum up i do think some of you will have a 'rude awakening ' whenit comes to trusting some insurance co's ,just one more question people may like to comment on is-can we bury him the vet says no problem,but authority has a different view,,,, we will bury him ,if it comes to that
 
Yes, you can burry him... if it is on your own land and it will not polute a water course, and the pony was a pet (strangely enough) Speak to your local Trading Standards about a liscence.
 
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A good idea to read the small print maybe?

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Fair point, I thought I had, but maybe missed this bit. Not complaining about it, as it actually makes sense to me looking at it from the Insurer's point of view, just hadn't really occured to me.
 
They key fact here is once you call the vet the clock starts ticking, in some cases they can even go backwards to the time the injury/illness first started ie you call the vet on the 10th of may and say oh it happened 10 days ago, Insurance could run out on the last day of April the following year, (unless granted an extention)

It is something nearly everyone knows about and it is also one thing that makes the premiums just about affordable.

Incidentally if you have a car accident but you don't claim for your own car you still know you HAVE to declare it when you renew or change insurance policies, same thing
 
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