Take These Steps
Contact your veterinarian immediately.
Report emergency or loss immediately to your carrier’s 24-hour hotline.
In case of death, a necropsy and postmortem examination at the owner’s expense must be obtained. Do not dispose of the horse until adjuster approves.
Call the police in case of a theft, shooting, or vehicular involvement and obtain a police report, which is required.
Permission must be obtained to euthanize an insured animal. In extreme emergency situations, consent to euthanize is not required if it is not possible to report at the time and an attending veterinarian states that immediate euthanasia is necessary to prevent inhumane suffering.
In the event of emergency surgery (necessary to save the life of an animal,) and there is not sufficient time to call the claims adjuster or agent, permission is not necessary. In this event, notice within a reasonable period of time is required.