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Originally Posted by Antitrust32
check your PM box..
I just talked with my boss and I'll put a foot in my mouth and prudery is correct about the Thorn Song situation. I guess we've paid out wobbler claims under the mortality part and kept the horse alive.
She told me a hypothetical Barbaro situation where you could pay out a mortality claim on a live horse..
when Barbaro was too bad to survive his laminitis and euthenasia is recommended by the vet.. we would pay the mortality claim. but if someone involved in the situation then wanted to try to remove a bad leg and add a prostetic (sp?) leg to try to save the horse, the mortality claim would have still been paid but the horse would still be alive. Basically unconventional treatment after the horse was bad enough to be destroyed. I assume the reason I've never seen or heard of this are that most owners dont have an unlimited supply of money to put into saving their horses life above and beyond normal treatment.
I guess you learn something new every day! I've never seen a situation like that and the claims adjuster I asked also didnt think it was possible but my boss set me straight.
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Thanks for looking into this and reporting back ...
Weird things happen in weird situations and this was one ...
Recall a few other mortality claims paid off on live animals, but since I couldn't document but the colic one, I didn't ...
Am I qualified to teach Insurance 101 now--just joking ..