Insurance problem

[AmyMay]

Your insurance probably won't pay out for his destruction, but there's no reason they wouldnt pay out for treatment.

 

[Hippona]

A friend had a 2 yr old with a nasty colic. She was taken for surgery and deteriorated on the way. The vet said that there was a less than 10% chance of recovery. Friend wanted to pts without surgery but insurance company refused to pay out unless everything possible had been done. It doesn't make sense because it obviously cost them more in the long run. Horse died under anaesthetic and friend claimed.
The only way you can over-ride the insurance company is if you don't claim, which in OPs sitution is hardly an option.
OP tell your insurance company that you will involve the ombudsman, I wouldn't be surprised if they suddenly change their minds about paying.

Same here.... only I refused, vets agreed with me.
Insurers refused to pay out until a strongly worded letter from my vets....
Odd that the money they actually paid out for the horses death was much less than they would have paid for surgery etc....
Just don't get the logic