What does permanent loss of use actually mean?
‘Permanent’ means forever. Permanent Loss of Use therefore means the insured horse can never again be used for any one of the activities you have insured it for. For you to make a claim your vet must state that, due to an illness or injury occurring during your policy period, your horse will never again be able to participate in the activities it is insured for. This may take time to establish and you should expect payment under this benefit to take several months.
