Are your horses insured? - The Horse Forum
Reply
 
LinkBack Thread Tools
post #1 of 14 Old 08-15-2009, 11:22 PM Thread Starter
Yearling
 
Join Date: Aug 2009
Location: Ontario, Canada
Posts: 851
• Horses: 4
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!

~Lindsay~ Mom of 2, wife to the goldsmith, doula and childbirth educator in training, life-long horse dork
shesinthebarn is offline  
Sponsored Links
Advertisement
 
post #2 of 14 Old 08-16-2009, 09:44 AM
Yearling
 
Join Date: Jun 2008
Location: Texas
Posts: 989
• Horses: 2
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.
hotreddun is offline  
post #3 of 14 Old 08-16-2009, 10:52 AM
Weanling
 
Join Date: Mar 2009
Posts: 434
• Horses: 14
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
deineria is offline  
post #4 of 14 Old 08-16-2009, 12:31 PM
Foal
 
Join Date: Jun 2009
Location: Oklahoma
Posts: 222
• Horses: 0
I will be shortly, the company name was given to me by a friend... I will post it when I find out :)

...he's so kissable, huggable, loveable, unbelievable...
LiveToJump is offline  
post #5 of 14 Old 08-16-2009, 12:33 PM Thread Starter
Yearling
 
Join Date: Aug 2009
Location: Ontario, Canada
Posts: 851
• Horses: 4
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?

~Lindsay~ Mom of 2, wife to the goldsmith, doula and childbirth educator in training, life-long horse dork
shesinthebarn is offline  
post #6 of 14 Old 08-16-2009, 12:33 PM
Showing
 
Join Date: Sep 2007
Location: SE Kansas
Posts: 10,620
• Horses: 5
Ours is on our home/farm policy. They are each insured for accidental death or theft.


"Until one has loved an animal, part of one's soul remains unawakened..."
- Anatole France
Vidaloco is offline  
post #7 of 14 Old 08-16-2009, 04:36 PM
Yearling
 
Join Date: Jun 2008
Location: Texas
Posts: 989
• Horses: 2
Quote:
Originally Posted by shesinthebarn View Post
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.
hotreddun is offline  
post #8 of 14 Old 08-17-2009, 10:59 AM
Weanling
 
Join Date: Mar 2009
Posts: 434
• Horses: 14
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.
deineria is offline  
post #9 of 14 Old 08-17-2009, 11:04 AM
Green Broke
 
Join Date: Jul 2009
Location: Indiana
Posts: 4,378
• Horses: 2
Quote:
Originally Posted by Vidaloco View Post
Ours is on our home/farm policy. They are each insured for accidental death or theft.
Is your homeowners a specialized "farm" policy?
themacpack is offline  
post #10 of 14 Old 08-19-2009, 10:19 AM
Showing
 
Join Date: Sep 2007
Location: SE Kansas
Posts: 10,620
• Horses: 5
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.


"Until one has loved an animal, part of one's soul remains unawakened..."
- Anatole France

Last edited by Vidaloco; 08-19-2009 at 10:21 AM.
Vidaloco is offline  
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the The Horse Forum forums, you must first register.

Already have a Horse Forum account?
Members are allowed only one account per person at the Horse Forum, so if you've made an account here in the past you'll need to continue using that account. Please do not create a new account or you may lose access to the Horse Forum. If you need help recovering your existing account, please Contact Us. We'll be glad to help!

New to the Horse Forum?
Please choose a username you will be satisfied with using for the duration of your membership at the Horse Forum. We do not change members' usernames upon request because that would make it difficult for everyone to keep track of who is who on the forum. For that reason, please do not incorporate your horse's name into your username so that you are not stuck with a username related to a horse you may no longer have some day, or use any other username you may no longer identify with or care for in the future.



User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in









Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.


Old Thread Warning
This thread is more than 90 days old. When a thread is this old, it is often better to start a new thread rather than post to it. However, If you feel you have something of value to add to this particular thread, you can do so by checking the box below before submitting your post.

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Similar Threads
Thread Thread Starter Forum Replies Last Post
How to get a pony insured? Amanda7289 Horse Health 13 05-27-2008 10:39 AM

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome