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Frequently Asked Questions

Insurance

     

Q10)  When does an insurance company require notification?

Most companies require notification immediately, whenever there is a change in the horse's situation or condition. This means that the horse's owner would be expected to call the company and alert them immediately upon detection of an injury, upon diagnosis of illness or disease, and before surgery of any kind. The owner would also be expected to notify the company immediately if there is a change in the use of the horse, when there is a change in ownership of the horse, before the horse is transported out of the country, or out of the range covered by the policy, and when there is a change in the value of the horse.

Although most horse owners and insurance companies agree that it should not be necessary for the owner to call each time a horse gets a tiny scrape or scratch, there are no clear guidelines in place, and so it is clearly preferable to be safe than sorry.

For this reason, it is best for the horse's owner or bailee to notify the company whenever there is even the slightest chance of a problem condition or illness. The insurance company's toll-free number is usually manned twenty-four hours a day, and although not every scratch and dent will need to be called in, the horse's owner or custodian should certainly notify the company of anything that could possibly lead to a problem; for instance, lameness, fractures, colic, fever, any eye problem, and any lacerations requiring sutures.

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