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leeds

Member Since: 28 Dec 2009
Location: West Yorkshire
Posts: 8582

Insurance for when :censored: happens

First off apologies for anyome who has tried to get sense out of Bren or myself this last couple of weeks.
Two weeks ago my daughters horse was diagnosed with lymphoma and only decent thing to do was put him down. Yes we could have gone down the chemotherapy route for a few months more ( he is five) but she was brave and made the decision that he wasn't going to suffer. I then had to try jump through the hoops to prove that this was the only option. Once this was accepted by the insurance company, I thought it would be plain sailing but will they pay for euthanasia but no that's not covered.
When a vehicle is pranged its annoying and inconvenient but when it involves a horse then it it involves more mental stress.
Barbara

21st Nov 2012 12:12am

Lishlandy

Member Since: 26 Oct 2011
Location: High Wycombe
Posts: 941

2012 Defender 110 Puma 2.2 X-Tech LE Orkney Grey

Thought go to you during this difficult time, our horse passed away a few years ago which was hard enough to go through losing such a dependant friend and companion without having to then justify why you did the right thing to fat pockets Freddie's

===================================
Steve
90 xs sw in Stonoway Grey - Sold
110 USW X-TECH

21st Nov 2012 12:23am

leeds

Member Since: 28 Dec 2009
Location: West Yorkshire
Posts: 8582

to Bren who knows that most things can be eased with good red wine and Twiglets.
Barbara

21st Nov 2012 12:41am

ZeDefender

Member Since: 15 Sep 2011
Location: Munich
Posts: 4731

2011 Defender 110 Puma 2.4 SW Baltic Blue

Sorry to hear of your woes - I hope your daughter is coping too.
Wife has been in hospital these past few days with sudden extremely high blood pressure - I've been on the wine and Twiglets too - weird

Tell someone you love them today because life is short.
But shout it at them in German because life is also terrifying and confusing...

21st Nov 2012 9:16am

ken

Member Since: 18 Aug 2009
Location: Banging Birds with my bitches !!
Posts: 4328

Come on guys JD cures all

Chin up but I know how you feel pets (equine included) are all family

21st Nov 2012 9:28am

JWL

Member Since: 26 Oct 2011
Location: Hereford
Posts: 3443

I can sympathise with you and yours, I made a hard decision not too long ago to euthanase my old boy. He suffered badly last winter and took most of the rest of the year to be his former self and I couldn't put him through all that again. It still hurts "playing God" but quality of life stands for a damn site more than suffering in my book. It's still hard to walk down the field to get the pony and not have him there.

21st Nov 2012 11:48am

Happyoldgit

Member Since: 14 Sep 2007
Location: Norfolk
Posts: 3471

2015 Defender 110 Puma 2.2 USW Corris Grey

You have my sympathies. Two of my close friends made the same decision only recently. Steve.
Owned numerous Land Rover vehicles of all shapes and sizes over the decades.
Current Defender: A non tarts hand-bagged Puma 110 XS USW.

[Insert something impressive here such as extensive list of previous Land Rovers or examples of your prestigeous and expensive items, trinkets, houses, bikes, vehicles etc]

http://forums.lr4x4.com

I used to be Miserable ...but now I'm ecstatic.

21st Nov 2012 1:42pm

JSG

Member Since: 12 Jul 2007
Location: Berkshire
Posts: 2412

2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey

Sorry to hear that

John

http://www.hampshire4x4response.co.uk

2011 Tdci 110 CSW XS

23rd Nov 2012 4:51pm

leeds

Member Since: 28 Dec 2009
Location: West Yorkshire
Posts: 8582

This 5 year old horse (Sonny) is insured with a specialist equine insurance company.

Sonny had a problem with a broken tooth so equine dentist was called who wanted X rays and Sonny checking over by the vet. Vet took aX rays and sample sent off to Newmarket to an equine pathologist who diagonosed a virulent type of cancer which is rare in young horses (Typically horses can live to 30) Prognosis was about 2-3 months maximum for Sonny to live

Vet advised humane destruction rather then chemotherapy which would not cure disease but prolong life by about 2-3 months.

Monday got agreement for humane destruction and disposal off the body which is not covered under the insurance policy. Deed was done on Friday. Saturday gets letter from equine insurance company saying they want a post mortem on a horse which had already been destroyed and cremated with their permission!

Since everything was done with the permission of the insurance company, after full consultation with the vet and pathologist, the insurance company are liable for a grand total of £137 of vet bills due to the large excess and agreed value of the horse.

Lets just say we believe that the insurance company is trying to wriggle out of paying out. Will not comment on what we feel about insurance companies.

Now if Sonny had chemotherapy the insurance company would have had a much larger vet bill to pay, Sonny would have lived longer but with a poorer quality of life and insurance company would have still had to pay out on death.

Now why do insurance companies pay out so readily on 'whiplash' injuries etc but wriggle like hell to pay out on a genuine claim?

Brendan

25th Nov 2012 3:49pm

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