01-22-2009, 01:20 AM
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I use Great American, through Connaway and Associates. It seems to be a big company. I have major medical and mortality. Be careful with the loss of use, I was told that if you make a loss of use claim on your horse and get paid for it, the insurance company has every right to take the horse from you, not 100% sure on the accuracy of that, but someone that trained big time WP horses told me that, she had it happen to her. Anyways, with the plan I am on, I get Major Medical/Surgical up to $7500 with a $250 deductible. I have mortality up to the value of my horse. My horse is currently valued at $2500 so this is the best route to go. They have another company they use for more valuable horses, with higher major medical coverage. I pay about $450 a year, and have been extremely pleased.
My horse, just a week after I got him insured, got his leg hung in a cable fence, shredding it down to the bone pretty much the full length of his cannon. We spent over a year trying to get it to heal, he had a few vet visits and 2 surgeries. I think the grand total for that injury was around $5-$6K, and the insurance company paid everything, no questions asked. I have referred several of my friends to them, and they have been pleased as well. The girl that was over my claim called regularly to see how my horse was doing, and the ladies at Connaway and Associates are always more than happy to answer any of my questions, no matter how stupid they may be. Will never dream of changing companies!