Mortality Insurance? What do you think? - Page 2 - The Horse Forum

 1Likes
Reply
 
LinkBack Thread Tools
post #11 of 16 Old 06-28-2013, 10:37 PM Thread Starter
Foal
 
Join Date: Jun 2013
Location: Down in Alabama
Posts: 73
• Horses: 1
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!
Prunella1 is offline  
Sponsored Links
Advertisement
 
post #12 of 16 Old 06-28-2013, 10:40 PM
Showing
 
Join Date: Feb 2008
Posts: 12,197
• Horses: 2
Quote:
Originally Posted by Prunella1 View Post
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.
my2geldings is offline  
post #13 of 16 Old 06-28-2013, 11:20 PM
Showing
 
Join Date: Oct 2007
Location: Alberta, Canada
Posts: 11,772
• Horses: 0
Quote:
Originally Posted by My2Geldings View Post
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.


The lovely images above provided by CVLC Photography cvlphotography.com
JustDressageIt is offline  
post #14 of 16 Old 06-28-2013, 11:30 PM
Yearling
 
Join Date: May 2008
Location: Texas
Posts: 1,250
• Horses: 4
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.
palogal is offline  
post #15 of 16 Old 06-29-2013, 12:34 AM
Weanling
 
Join Date: Jan 2009
Location: Sydney, Australia
Posts: 430
• Horses: 0
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).

Horses lend us the wings we lack;

Becca93 is offline  
post #16 of 16 Old 06-29-2013, 05:44 AM
Trained
 
Join Date: Apr 2008
Location: Orange County, NC
Posts: 6,167
• Horses: 5
Quote:
Originally Posted by Prunella1 View Post
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.

On the sixth day, God created the Quarter Horse.
On the seventh day, he Painted the good ones.
PaintHorseMares 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
Lease/Legal Issues. Mortality? writer23 Horse Talk 15 01-19-2011 08:13 PM
Mortality/Major Medical Insurance equestrian Horse Talk 1 12-02-2010 04:37 PM
Equine Mortality Ins. & personal liability? mysticdragon72 Horse Health 9 11-20-2010 05:27 PM
Equine Mortality Disposal - Composting EPMhorse Horse Health 13 02-04-2010 08:18 AM
Insurance eventer89 Horse Talk 3 04-19-2009 10:45 PM

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