What can you do when insurance won't pay out?

depends on the small print.

mortality should have been written on the policy stating wether it was covered or not so you need to grab your paperwork and sit and read it all the way through
 
twiggy2 said:
depends on the small print.

mortality should have been written on the policy stating wether it was covered or not so you need to grab your paperwork and sit and read it all the way through
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Mortality is covered but they won't pay out. They won't pay all the vets fees either. They say horse had an incorrect valuation (ie, was insured for too much) but why didn't they say this when the policy was first taken out?
 
JackDaniels1 said:
Mortality is covered but they won't pay out. They won't pay all the vets fees either. They say horse had an incorrect valuation (ie, was insured for too much) but why didn't they say this when the policy was first taken out?
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Are they offering you a smaller amount than what he was insured for ? What did he die of ?
 
What was the horse PTS for? There are actually fairly tight situations in which Insurance will pay mortality out - essentially emergency situations unless they give prior approval.

As for valuation they usually say sum insured or market value if lower. Do you have evidence of how much you purchased the horse for and what the horse has done since?

There is certainly an insurance ombudsman you can go you if you think the insurance company are being unfiar. The problem is quite a few people don't really understand their policy and then get upset when a company refuses payment in line with the contract.
 
when speaking to my friends vet about the guidelines given regarding PTS and mortality payments he told us 'the question they are asked was if this was a mare worth a million and she had a 2 day old foal at foot would you still PTS for the reasons stated regarding the claim?'

not sure if that is the exact wording but restrictions are tight on payouts for mortality

you can always challenge an insurance companies decision, but it does not mean you will overturn it
 
I think it's very unlikely you would get an mortality pay out then there are very tight guidelines to govern mortality payouts the case must be within these guidelines and in my experiance unless the horses suffering is very acute you have to get the insurance companies agreement before the vet PTS.
 
TBH it sounds about right for insurance. Mortality is very difficult to get paid out (unless agreed in advance with them) as it's really only to cover an accute emergancy (bleeding out/ broken leg etc.) and thankfully not many horses are PTS in these circumstances.
Vets fees once the excess is taken out, and the bits that aren't covered (livery, nursing, differ by policy but often a list of small bits and pieces that soon add up) it deosn't supprise me that only about 1/2 is covered.
 
I the reason for the horse being PTS falls inline with BEVA guidelines then the insurance would pay out, although they may, depending on the sum insured, ask for some independent valuations form reputable sources. If you elected to have the horse PTS against other treatments that were available then the insurance is not likely to pay out unless your vet writes a very convincing supportive letter for the PTS decision. If it wasn't an emergency then you really should have contacted the insurance company first before having the horse euthanased to get agreement from them they would pay f that's what you were wanting.

From and insurance point of few, too many horses are PTS and the owners just expect insurance to pay. Well sadly, whenever there re other options available to treat said horse then you can't just claim for death. Ultimately that is what Loss Of Use cover is for and why it is pretty expensive as well
 
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