any ideas of life and health insurance?
 
 

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any ideas of life and health insurance?

This is a discussion on any ideas of life and health insurance? within the Horse Health forums, part of the Keeping and Caring for Horses category
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    06-02-2012, 01:50 PM
  #1
Foal
any ideas of life and health insurance?

I lost my last horse to a broken hip bone out in the field, I tried fixing it for two years, but was unfortunately unable to do it. We ended up having to put him down a year and half ago. It took me so long to even look at another horse and now im buying a new baby colt. Im very excited but im putting life insurance and health on this one. Has anyone had any experience with health insurance or life insurance? I would love to hear of any insurance company's you guy's have went through. I have a new 1 month old baby I bought and im shipping him to oregon in 4 months.
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    06-02-2012, 03:29 PM
  #2
Weanling
Subbing! I'm interested in hearing more about this, as I have been debating if I should enroll my 4 yr old in a insurance plan. It's a little late to do that for my 20 yer old, but maybe it would be wise for my youngster.
     
    06-03-2012, 12:32 AM
  #3
Trained
I use McClean and Shaw, although they are based out of Edmonton and I'm not sure are available for you there. You will have to research local companies.
Horses come with different levels of insurance - mortaility - which is what most people will require when doing payments, etc. You can pay more on your premium to cover the cost of any surgery that may be needed.
Both of my stallions are also covered with Loss of Use insurance. For example, if a mare kicks him in the testicles and he is no longer viable as a stallion, they'll pay out what he is insured for whether he's dead or not.

Best option is to find a company that's local to you and make an appointment to discuss your needs. :)
     
    06-05-2012, 06:08 AM
  #4
Foal
Life insurance is paying considerable amount and terms. Which may used as a security when something bad happen to the holder. It is also can be used by the family or the beneficiaries of the holder for studies or for starting up a business.
     
    06-05-2012, 03:00 PM
  #5
Green Broke
I have mortality and major medical for my horse.

One thing I noticed while shopping around is that the major medical coverage is handled very differently between companies. The one I went with (through Broadstone Insurance) has a deductible (~$250 I think) for each instance, but then covers 100% Another company I looked at had no deductible, but only covered 60%.

The only time I had a horse get injured was a leased horse, who got a small puncture wound to the inside of his knee, which punctured a joint capsule. For something that looked so small, it cost a lot ($450 or so). So when I bought my own horse and was insurance shopping, I figured I'd rather know that I'm paying $250 for the deductible and then be free to follow the vet's recommendations, rather than have to decide for each little thing if I could still afford it.

That being said, I've never had to file a claim and for non-emergency situations I'm supposed to get the treatment plan approved beforehand. So only time will tell if the insurance really is as useful as I hope.
     

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