|
|
Discussion on Insuring my horses
|
| Author |
Message |
Member:
Jojo15
|
Posted on Monday, Dec 20, 2004 - 12:08 am:
I need some recommendations on Horse insurance companies. Any thoughts on where to begin? or who to contact. Or ins. companies to stay away from?
I want to insure my mare who is going back into training. Major medical, mortality, theft... the whole thing... i know nothing about this. any advice or thoughts would be greatly appreciated....
|
Member:
Aannk
|
Posted on Monday, Dec 20, 2004 - 10:14 am:
I use Edge and Associates. I like them very much. Their number is 800 741-1565. I have major medical and life through them.
Alicia
|
Member:
Oscarvv
|
Posted on Monday, Dec 20, 2004 - 1:49 pm:
One awful thing I found out from Bub dying is read the whole contract. The coverage is all in the details.
What a shock to learn I have to pay Bub's premium through June 2005 even though he is dead. This I found out is the norm.
And what a rude surprise when they grilled me like a steak, sent a nasty, certified letter, when I filed a claim after insuring multiple horses for 5 years and never made a claim.
Sorry, I am just a bit bitter. My horse is dead and they are treating me like I'd rather have the money than the horse. 
|
Member:
Deggert
|
Posted on Monday, Dec 20, 2004 - 1:52 pm:
I have had good luck with Jarvis Equine Ins, look up on the web. Never had a death but they have been wonderful with major medical. Debbie
|
Member:
Sully
|
Posted on Monday, Dec 20, 2004 - 2:16 pm:
Debbie.....are you saying that you have claimed major medical and they will renew your policy? Just wondering cause my sister made a claim(not sure of who she was insured through) and they paid to nerve her horse, then cancelled her at renewal cause her horse had been nerved. I have my horses insured, but have been afraid to put any claims in thinking they will refuse renewal or up my price.
Nancy
|
Member:
Deggert
|
Posted on Monday, Dec 20, 2004 - 2:40 pm:
Nancy
I suppose if it is something like nerving that would cause an exclusion that could happen. I have had a claim for all the horendous bills I had after a retained placenta, IV fluids and all the aftermath. They renewed her with no exclusions even if bred. I had a claim for a flu from hell that rendered the horse on fluids and gastrogard, they paid up. They paid up on the mare that foundered after foaling ( same as retained placenta mare) and they would renew her insurance, but she was too old to renew major medical and due to her age, 17, her premium went up slightly. I did not renew her because of her age and I am sold on major medical, so since she is too old for that I just DrOpped her insurance. They would not renew her guaranteed value at her age either. I have found them absolutely great. Never have they declined payment, the vets write up all the history and treatment and send it in.
So far, can't say enough good about them. I have not had a colic to report, except when my mare foundered she was treated for a colic, but they have never asked for an exclusion.
Debbie
|
Member:
Dres
|
Posted on Monday, Dec 20, 2004 - 4:57 pm:
I am on the fence as far as insuring my horses.. its seems I am betting on them having major medical bills.. with a herd of them, it would be between $3,000.-$6,000. a year .. . and the everyday vet calls are not insured, MAJOR MEDICAL is the terms.. I do tho, insure my performance mares when I bred them only for that foaling.. as I know stuff can happen at birth, and usually they are maiden mares...
On the first day God created horses, on the second day he painted them with SPOTS..
|
Member:
Deggert
|
Posted on Monday, Dec 20, 2004 - 6:18 pm:
Ann
Can you determine which ones you would take to surgery, for example a colic, and which you would not. That might help but I figured out what it cost me to send our gelding to surgery and with all the aftermath of ulcers etc, he could have had insurance his whole life and I would still be ahead with the insurance. Also, he would have qualified for gastrogard which was not an option for us , thank goodness Zantac worked. When my colt had the flu as noted above and needed fluids, I called the insurance co. and asked them if they would approve gastrogard for him due to his symptoms that ulcers were coming on with the inappetence and all. They said yes. All in all over the past 2 years I have had some doozy situations and I am so far ahead of the game for the fact that they had medical. I am sold. The bills have much exceeded my premiums, but I only have 1 insured now and I will get it for the baby very soon. Considering the "gelding gone wrong" I may do it before then. All the best
|
Member:
Dres
|
Posted on Monday, Dec 20, 2004 - 11:46 pm:
Debbie, actually my permission slip on the board in the barn says to do what needs to be done on all of em. .. at this moment I have mostly young horses.. and a middle age <12> performance mare.. at one time tho.. I had a older mare that I would not have elected to do any surgery on.. Its just the choices one has to make when keeping a small herd..
On the first day God created horses, on the second day he painted them with SPOTS..
|
Member:
Jojo15
|
Posted on Tuesday, Dec 21, 2004 - 12:25 am:
Alicia have you ever put in a claim with them? and debbie? I heard they are great till you have to claim. Like barbara said...
Barbara why would they send a nasty letter?
I have only one horse i want to put on. My old girl is too old. And my TB is going back into training. Away from me and i want to make sure she is covered.
|
Member:
Oscarvv
|
Posted on Tuesday, Dec 21, 2004 - 7:48 am:
My vet thinks they are just trying to intimidate me to get me to give up the claim. Who knows, they threw around comments like an outside 'investigation' was being done, that I didn't have proper vet care done and other comments trying to act like my claim was bogus. My vet said there has been no such investigation and that he wouldn't have done anything differently and not to worry. He filled out the usual forms as did I.
It's all been horrific. You don't get insurance thinking you'll need the mortality. And when you do.....it does almost make we wish I didn't have it....between the guilt of getting the money for my dead buddy and the way the insurance company and their agents treat you.....
-B
|
Member:
Aannk
|
Posted on Tuesday, Dec 21, 2004 - 11:00 am:
Yes, I put in several claims. They always exclude that particular ailment on the next renewal. They always reinstate after a year. They pay all they promise, with little fanfare. But, I have never treated a long term ailment. They say they will cover it in full, but I don't have experience with that aspect.
Alicia
|
Member:
Aannk
|
Posted on Tuesday, Dec 21, 2004 - 11:02 am:
Oh, I wanted to add, in regards to pregnant mares. The percentage to pay is the same as for a hunter show horse, and the baby is insured as soon as the "stands and nurses" expires (my stallion contract guarantees the baby will stand and nurse). All I had to do was give them the due date. I will also have to call when the foal comes.
Alicia
|
Member:
Deggert
|
Posted on Tuesday, Dec 21, 2004 - 12:14 pm:
joj
I have only had the medical claims. I had a $4000 dollar vet bill with the retained placenta mare, excluding ranch calls and emergency fees they paid 3400. No exclusions the following year.
She did not founder on that occasion but all the best was done for her, thus the large bill. The insurance even covered the uterine biobsy we did 6 weeks post foaling to evaluate the damage. I think Jarvis is great. I have not had a mortality to deal with, thank goodness,
Barbara, did you say what company it is? or can you.
|
Member:
Mrose
|
Posted on Tuesday, Dec 21, 2004 - 1:03 pm:
When I was doing a lot of showing I had horses insured with Kiki Ward Platt. At that time the carrier was Golden West. I had one claim, a horse that died in a barn fire. Not only were they extremely prompt in payment, they were very sympathetic and easy to work with. I'd highly reccomend their agency. They are advertised in a lot of horse mags, and have a web site.
|
Member:
Oscarvv
|
Posted on Tuesday, Dec 21, 2004 - 2:02 pm:
Debbie,
Right now I'd prefer not to mention the company's name.
Believe you me, I will sing their name from the rooftops if they deny my claim.
Sympathy is definitely something I have not encountered with anyone who has contacted me regarding the loss of my horse (aside from the pathologist who did the necropsy).
-B
|
|
|
