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Horse Insurance

This is a discussion on Horse Insurance within the Horse Talk forums, part of the Keeping and Caring for Horses category
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    10-30-2009, 03:27 PM
  #1
Trained
Horse Insurance

Who has insurance on the beloved horses and do you find it is a good idea? Who has made a claim before?

I'm in the process of getting it for my horses and I think it's very reasonable and will take a lot of stress off of me in case something does happen (I've already had one major surgery this year)
     
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    10-30-2009, 09:47 PM
  #2
Weanling
I'm super interested in this topic because I have been wondering about insurance for my horse.............how much it would be and what it would cover etc.
     
    10-30-2009, 11:08 PM
  #3
Yearling
Ohhh yes count me in! I want to know too!
     
    10-30-2009, 11:37 PM
  #4
Trained
For my horse (valued at $7,500) it will cost me $360 a year. It will cover death (the will pay her full market value price if the horse passes away) Emergency surgery up to $7,500 and emergency medical up to $5,000. It also covers $1500 worth of my tack if it gets lost/stolen at a show.
     
    10-31-2009, 01:12 AM
  #5
Weanling
So how do they determine value? That seems like a reasonable price actually.
     
    10-31-2009, 01:18 AM
  #6
Yearling
Yes, I'm seriously considering it for Ricky too. Anyone in Australia have experinece with RACQ or an insurance thing like that?
     
    10-31-2009, 04:07 AM
  #7
Weanling
I'm considering it...
     
    10-31-2009, 11:40 AM
  #8
Trained
Quote:
Originally Posted by Got2Gallop    
So how do they determine value? That seems like a reasonable price actually.
They ask you the purchase price of the horse and then that is the value that they start with. If your horse is worth more than that now they ask you to fill out a form telling you why the horse is worth more than that. And if something happens to your horse and it dies you will need a letter from a trainer/vet/farrier etc stating that yes the horse was worth more then what you purhcased it for and what reason the horse was worth more.
     
    11-01-2009, 10:33 AM
  #9
Showing
What insurance company was that through Tiffany? I have insurance on ours through our farm policy as livestock. It doesn't pay any medical just accidental death and theft. Our tack is also an add on to the policy.
     
    11-01-2009, 10:45 AM
  #10
Showing
Tiff, which company are you going through?
I had Denny with BFL (Classic Equine I think?) as they were the only ones who would insure him for mortality and major medical. (I bought him for $2500 which is less than most companies will insure major medical for.) But it was expensive - $370 for the year, he was insured for $5,000, which included mortality (full payout) and major medical up to $5,000. I am going to be calling around to a few companies this week - since he was valued at $5,000 through one company, I can likely get more out of another company.)
Yay for insurance shopping!!
     

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