Over the years the blogs published on this website have called attention to furthering your understanding of the Equine Mortality Insurance policy. Frequent questions from prospects seeking insurance or from policy holders have to do with euthanasia.
The policy clearly defines “authorized humane destruction”. Included in the definition is the answer to the question often posed regarding the insured’s decision to putting a horse down. To paraphrase policy wording – destruction of an insured horse must be agreed to by the insurance carrier. So if the horse has sustained an injury and your veterinarian certifies that the horse is suffering excessively and is incurable; or is afflicted with an excessively painful disease, the company can be expected to agree to the destruction of the horse. Another consideration for destruction relates to a disease that could result in posing a danger to the horse or its handler.
If you, the insured, choose to ignore or violate the policy provisions, the carrier can deny the claim. Advice to all policy holders – read your policy including all endorsements. Don’t hesitate to contact your agent with any questions you may have. Blue Bridle agents are available to guide you in making decisions regarding the coverage provided in the equine mortality policy and optional endorsements to that policy.