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Mortality Insurance? What do you think?

This is a discussion on Mortality Insurance? What do you think? within the New to Horses forums, part of the Keeping and Caring for Horses category

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        06-28-2013, 11:37 PM
      #11
    Foal
    Hi, thanks for sharing your thoughts and info. Found a company that offers Mortality & Theft, $5,000 Major Medical and $300,000/$600,000 of personal property protection for about $400 a year. Not bad. I would hate to have my horse stolen or cause any damage to anyone or anything. She's getting some professional training, so hopefully, I can insure her for more than I paid for her with her blood lines. She's really getting cut and filling out so nice. Will have to take some new pics for ya!
         
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        06-28-2013, 11:40 PM
      #12
    Showing
    Quote:
    Originally Posted by Prunella1    
    A lady and I were discussing horses, and she told me a story about a beautiful 3 yr old horse that they were training to show, and had no health problems at all. It had gotten cold and they had two blankets on her, she was checked on around 9 pm, but, the next morning, she was found dead. Autopsy showed she died from a bacterial form of strangles that hit her horse fast. She just fell over as if she died standing up.

    So, she mentioned that she wished she had some insurance on her horse because of how much time and money they had put into her. She recommended that I look into Mortality Insurance in case something happened and I wanted to get back the cost of what I paid for my horse.

    Any thoughts? My horse is a 10 yr old mare.
    I definitely recommended, at least if you feel the horse is worth it. I've almost always had insurance on my horses. The second add on you could also look into adding, is insurance for major medical. The downfall with that one, is should your horse colic or have any other major issue, you HAVE to have them go thru surgery or other major advanced procedures for your insurance to not void. I find that in a lot of cases is cruel to the animal and sometimes a waste, but the insurance companies will not cover you if you do not go thru with it. I would for sure consider insurance for mortality.
         
        06-29-2013, 12:20 AM
      #13
    Showing
    Quote:
    Originally Posted by My2Geldings    
    I definitely recommended, at least if you feel the horse is worth it. I've almost always had insurance on my horses. The second add on you could also look into adding, is insurance for major medical. The downfall with that one, is should your horse colic or have any other major issue, you HAVE to have them go thru surgery or other major advanced procedures for your insurance to not void. I find that in a lot of cases is cruel to the animal and sometimes a waste, but the insurance companies will not cover you if you do not go thru with it. I would for sure consider insurance for mortality.
    Most insurance companies will require you to contact them if there's even a remote possibility of a claim - I.e. Let them know if you're calling a vet out for any injury/lameness/sickness, even if you aren't planning on claiming it or don't claim it.
         
        06-29-2013, 12:30 AM
      #14
    Yearling
    Insurance is never a bad thing.
    The downfall to it is that if something is wrong you HAVE to call the vet, in most cases.

    No giving banimine and walking a colic out. If the horse does die and is not seen by a vet, the insurance company won't pay. At least that is standard with the policies I'm familiar with.
         
        06-29-2013, 01:34 AM
      #15
    Weanling
    My next horse will be insured, its a small price for a huge peace of mind (providing that the horse is worth enough to be insured).
         
        06-29-2013, 06:44 AM
      #16
    Trained
    Quote:
    Originally Posted by Prunella1    
    She's getting some professional training, so hopefully, I can insure her for more than I paid for her with her blood lines.
    Before you buy insurance, discuss this with the company and get their response in writing. Insurance companies are very picky about trying to value your horse above the purchase price, e.g. Putting $1000 of training into a horse does not increase the value by $1000. Remember, in the general case, since you're paying the premium, they don't care about how much you insure your horse for until you actually file a claim.
         

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