Horrible thought but a serious question

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Hovis_and_SidsMum

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I was talking yesterday with someone who's friends horse broke its leg hunting last year - it was shot on the hunt field as quite clearly there was nothing anyone could do.
Obviously an utterly utterly horrific thing to happen to anyone but I guess it does happen sadly all the time.
But it got me thinking about insurance. When we had my friends horse pts on christmas eve last year it was on vet advice and the insurance company sent forms to the vets etc to fill in so my friend could claim the loss of animal payment for her mare.
If the horse is killed in an accident or has to be shot on scene how does this work with the insurance?
Surely no one in that situation is going to ring their insurance company in the midst of dealing with such a horrible event?
I'm sorry if this upsets anyone but I am curious - how does the system work?

PS - the friend now has a new horse and is hunting that this year whch prompted my chain of thought.
 
most have a clause in favour of that, saying if the horse has to be pts for humane reasons before you can notify them then you are covered. So really isn't anything to worry about
 
there is a clause in any ins policy that states what you use your horse for/what its insured for..hunting is in part of that.

and boy, do the premiums soar if you go hunting.

so i wouldn't see a payout problem really..unless its not insured to go hunting :eek:
 
The only time this has happened to me (horse had an accident at home and was shot by non vet), they kept the leg at the kennels for the vet to examine.
I have known of someone who kept a leg in their freezer for 2 years when the insurance was being thrashed out (was insured for 100k mind!).
 
vicijp said:
The only time this has happened to me (horse had an accident at home and was shot by non vet), they kept the leg at the kennels for the vet to examine.
I have known of someone who kept a leg in their freezer for 2 years when the insurance was being thrashed out (was insured for 100k mind!).
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I have heard of this too.

2 years!! blimey :eek:
 
As long as you were insured for hunting and the person who shot the horse could certify it was humanely carried out under BEVA guidelines (or a vet could post death) then yes your insurance company would pay out. If it didn't meet those guidelines then no payout...
 
Hovis_and_SidsMum said:
ISurely no one in that situation is going to ring their insurance company in the midst of dealing with such a horrible event?

Been in the situation and apparently this ^^^ is extactly what the insurance company thoght I should be doing... took a lot of fightsing and that was with a more reputable one.
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