what does this mean?
Loss of use insurance sometimes requires the horse to be euthanized to pay.
oh geeze…
Loss of Use/Mortality coverage can vary a great deal. SOME insurers assume ownership of the animal if the animal has a life-threatening condition and is euthanized.
ETA because I am half asleep: The owner may have notified the insurer that the horse had indeed been pts while instead sent the lame horse off to an auction or some back field.