An insurance question following pony being put to sleep.

SavingGrace

SavingGrace

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Ok not this may across as a very dim question but I have never had to claim on insurance on my own horses and this is with reference to my friends pony who was put to sleep yesterday following colic which resulted in a twisted gut.

She has had major colic surgery in the past following constant bouts of colic over a long period of time and the vet was unable to find out the reason for it. So they opened her up for investigations yet found no reason for the colicing. As far as I am aware she is no longer insured for colic surgery but what I am wondering how does that sit with the horse being put to sleep? Is she still covered for death :o

Told you it would be dim :(
 
What does the exclusions on the insurance say as I would have though it was for colic not colic surgery but that may give you an idea, sorry not to be much help but my best guess
 
Horrid situation to be in. AFAIK and I stand to be corrected on this insurance policies don't cover for the actual cost of the injection but should give her back the value of the pony plus any sum insured for disposal etc. As for the cost of the surgery I suspect that will not be covered by insurance.
 
It depends what insurance she has in place. It is highly unlikely they will pay for anything relating to treatment for the colic. If she has insurance for pts/disposal she should be entitled to recompense, or to the value of the horse if she has that option.
 
My guess is she will be excluded as it has had previous colic unless it was in the last year so she probably wont' get anything.
 
Would need to see the documents. I know her vet is doing what she can under the circumstances. I was under the impression that it was only vet fees that wouldn't be covered and the value of the pony would be paid out following death. But again its not something I have ever had to deal with. She is absolutely devasted she was her first horse that she got at the grand age of 61 and she had hope the mare would be with her for a good 10/15yrs yet. (she was only 15)
 
My friends pony was pts following colic which was excluded on the insurance from a previous op & did get vet fees paid, but think the vets had to argue it under the immediate destruction on humane grounds clause. Not sure whether they paid out for value but as he was an outgrown pet he was insured for the minimum amount.
 
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