Are your horses insured?
   

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Are your horses insured?

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    08-15-2009, 10:22 PM
  #1
Yearling
Are your horses insured?

Hey! Just curious if you have your horses insured, and what kind of coverage you have. I;m looking into getting mortality and major medical for my new horse when I get her. I got blind sided by a colic surgery before, and don't want to get caught with that again!
Any advice you have about policies and what I should expect to pay would be great!
     
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    08-16-2009, 08:44 AM
  #2
Yearling
On my older guy I have death, theft, and major surgery. I had medical but he lost that when he turned 16. He'll lose the surgery part when he turns 21 and I think will no longer be covered when he's 25. On my new guy I have death, theft, surgery, loss of use, and medical. You have to "prove their worth" via a bill of sale or show records with my company. You also will have to pass a pretty rigorous inspection to get the medical coverage. They don't cover any kind of joint disease/arthritis prevention/treatment I've found out with my old guy.
     
    08-16-2009, 09:52 AM
  #3
Weanling
I have my two Arabs insured with Plamp Keen Agency in Kentucky for 5k each. I did not have to prove their value (which is over that at any rate, but that is 5k is the minimum premium and reasonable for anyone to pay yearly), and some places will not require it unless the value is 20k or more.

It is $151 a year and this includes Colic Surgery. It covers theft, mortality, stallion infertility (if you cover a stallion), etc plus the surgery. VERY affordable.

Tinia
     
    08-16-2009, 11:31 AM
  #4
Foal
I will be shortly, the company name was given to me by a friend... I will post it when I find out :)
     
    08-16-2009, 11:33 AM
  #5
Yearling
OK, great! Sounds like an affordable thing to do, and it'll provide peace of mind. The only thing I'm curious about is how they will insure a weanling. The purchase price is under 5K, so I don't know how they put a value on her. Also, what kind of vet checks do you need - and how thorough are they usually?
     
    08-16-2009, 11:33 AM
  #6
Showing
Ours is on our home/farm policy. They are each insured for accidental death or theft.
     
    08-16-2009, 03:36 PM
  #7
Yearling
Quote:
Originally Posted by shesinthebarn    
OK, great! Sounds like an affordable thing to do, and it'll provide peace of mind. The only thing I'm curious about is how they will insure a weanling. The purchase price is under 5K, so I don't know how they put a value on her. Also, what kind of vet checks do you need - and how thorough are they usually?
Mine only needs a vet check for medical and loss of use. For the basic mortality they don't need anything. Usually they have a vet sign off that the horse hasn't coliced in the last 12 months. For loss of use they require xrays and everything. Every company is different though. I'd call a insurance person and talk one on one about the policy. Don't sign up online for anything IMHO.
     
    08-17-2009, 09:59 AM
  #8
Weanling
Yep, basic mortality doesn't require a vet check. I didn't even have to do a vet sign off about Colic either.

Most companies charge the standard $150 yearly for the first 5k. I did not have to provide proof of value either.
     
    08-17-2009, 10:04 AM
  #9
Green Broke
Quote:
Originally Posted by Vidaloco    
Ours is on our home/farm policy. They are each insured for accidental death or theft.
Is your homeowners a specialized "farm" policy?
     
    08-19-2009, 09:19 AM
  #10
Showing
Yes, it is a farm policy. We had to add the rider for the horses, also for all the farm equipment. They aren't insured for any health/vet expenses just for theft and accidental death. I don't recall what the cost is per $1k but it wasn't too bad.
     

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