Equine Insurance
 
 

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This is a discussion on Equine Insurance within the Horse Health forums, part of the Keeping and Caring for Horses category
  • Horse insurance california
  • Major medical insurance equine california

 
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    08-21-2010, 04:29 PM
  #1
Foal
Equine Insurance

I have a rescue OTTB that I am hoping to show in adult hunter classes. He retired from racing 100% sound after 7 years and 64 races! I would like to get some major medical insurance for him. I'm talking about for big things....like if he needed emergency surgery. Can anyone recommend a broker who might offer a not-so-expensive policy? I'm not even concerned about mortality insurance, just some piece of mind in the event of a major medical issue. Appreciate any recommendations.
     
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    08-21-2010, 05:30 PM
  #2
Yearling
I have Great American major medical insurance for my horse. It's through Wells Fargo and is fairly reasonable. It's great insurance because my horse is insured up to $15,000 major medical even though he isn't "worth" much for mortality insurance. Apparently it's hard to find that for horses we love but who aren't major show horses.
     
    08-21-2010, 05:33 PM
  #3
Yearling
I can't find anything online... I got the agent's name from my trainer but this may help: https://wfis.wellsfargo.com/ProductS...s/default.aspx
     
    08-21-2010, 05:36 PM
  #4
Foal
Do you mind if I ask what the monthy cost is?
     
    08-21-2010, 08:03 PM
  #5
Yearling
It's something like $47 a month which IMO is very reasonable for $15,000 major medical!

I think you can get it cheaper for $10,000 major medical as well and they have a separate plan for just surgery. Probably depends on your area :)
     
    08-21-2010, 08:07 PM
  #6
Yearling
Sorry, just pulled out the binder. It's $56.25 for my horse in Southern California.

They have four plans. COLIC (treatment and surgery), SURGICAL (under general anesthesia), $10,000 major medical and $15,000 major medical.

You have to buy the mortality insurance on top of it but mine is $475 (+$200 mortality)

For colic it's only $150, surgical is $150 and 10k major medical is $375.

Cheap price for peace of mind IMO!
     
    08-21-2010, 08:17 PM
  #7
Foal
Thanks! I will call them next week; should I just call the Great American number directly, or did you go through a broker?

I do think its worth it for piece of mind.
     
    08-22-2010, 03:14 AM
  #8
Yearling
I went through the Wells Fargo agent that my trainer used. I can give you her number but she's a California agent so I'm not sure if she can help?

I'm in your boat too. Mortality insurance is the absolute last thing I want / need but having that cushion to help me do everything possible to save him in an emergency is such a necessary piece of mind for me.
     
    08-22-2010, 08:26 PM
  #9
Trained
I'm with Hallmark Equine Insurance Agency. I pay $100 per every $1000 of my horse's insured value. A $5,000 horse would be a $500 annual premium. If he dies, I get that amount in full. I have 13,000 for colic surgery which I think is very good for what I'm paying. My premium includes major medical which I've already used twice. Both times they paid in full. I'm very happy with the coverage.
     

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