Equine Insurance - The Horse Forum
 
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post #1 of 9 Old 08-21-2010, 05:29 PM Thread Starter
Foal
 
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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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post #2 of 9 Old 08-21-2010, 06:30 PM
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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.



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post #3 of 9 Old 08-21-2010, 06:33 PM
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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



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post #4 of 9 Old 08-21-2010, 06:36 PM Thread Starter
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Do you mind if I ask what the monthy cost is?
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post #5 of 9 Old 08-21-2010, 09:03 PM
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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 :)



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post #6 of 9 Old 08-21-2010, 09:07 PM
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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!



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post #7 of 9 Old 08-21-2010, 09:17 PM Thread Starter
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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.
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post #8 of 9 Old 08-22-2010, 04:14 AM
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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.



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post #9 of 9 Old 08-22-2010, 09:26 PM
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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.

You just have to see your distance...you don't have to like it.
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