Equine Insurance - The Horse Forum
 
LinkBack Thread Tools
post #1 of 6 Old 11-26-2014, 02:25 PM Thread Starter
Trained
 
Join Date: Dec 2009
Location: Iowa
Posts: 6,082
• Horses: 0
Equine Insurance

I had used a somewhat local agent and Lloyds of London for my horses health and life insurance. It was terrible when I had a claim, they had every excuse to deny. When they finally covered the bills it took weeks to get a respomce, no follow up and a long tome to get a check. I cancelled over a month ago and they still have not sent a refund.

I recently switched to Blue Bridle agency and XL insurance. It was less money for more coverage and I just submitted a large claim that they took care of in less than a week. No hassle and good communication
Equine Insurance | Horse Insurance Specialists | Liability Insurance Blue Bridle
churumbeque is offline  
post #2 of 6 Old 11-27-2014, 07:54 AM
Trained
 
Join Date: Oct 2009
Location: wisconsin
Posts: 5,722
• Horses: 3
I used to have gypsy insured, but if they had to pay the premium went way up. Also, insuring an event horse is just way too expensive for me. I figured I was better off just taking the money I would have spent in insurance and putting it in a savings account.
Posted via Mobile Device
gypsygirl is offline  
post #3 of 6 Old 11-27-2014, 08:02 AM
Trained
 
Join Date: Sep 2011
Location: Germany- but not German =D
Posts: 5,155
• Horses: 2
My dog is insured, and my horse always was.
My dad's was too. She had an operation that cost 4,600... same as she cost. The insurance paid the bill, we didn't have to pay first.

After I sold Duffy, I made three attempts to get her new owner to transfer the insurance. They didn't. After three months I cancelled it. Two weeks later I get a tearful teenager calling me asking whether I still had the insurance, she had colic and if they had to operate they couldn't afford it. Thankfully, she didn't need the op.

My dog had an 600 vet bill, had 470 back. My dad's had a 1100, he got 850 back.

So yeah, I'm happy paying the expensive price for my animals. They're as accident prone as I am!
DuffyDuck is offline  
post #4 of 6 Old 11-27-2014, 08:20 AM Thread Starter
Trained
 
Join Date: Dec 2009
Location: Iowa
Posts: 6,082
• Horses: 0
I pay 675.00 for 10k of life and health insurance. I just had a 3500.00 claim so it was well worth it.
churumbeque is offline  
post #5 of 6 Old 11-27-2014, 08:25 AM
Trained
 
Join Date: Sep 2011
Location: Germany- but not German =D
Posts: 5,155
• Horses: 2
I paid, monthly, 35 for my German insurance for Dubai (and all other horses). That covered everything, including legal fees!

I changed my dog from my German insurance to an UK one that covers the British Forces in Germany 16 months ago. I bay 30. The German one only paid if the dog had an op. Glad I did, because when he had a parasite he cost me an arm and a leg. That was my savings for driving lessons! Now he is wrapped in cotton wool! :)

I just know I don't have enough set to one side for a super rainy day.

Also, my dad's dog has to have a hip replacement in the next 10 months... 4000+... insurance covers that. She's only 4!
DuffyDuck is offline  
post #6 of 6 Old 11-28-2014, 11:21 AM
Super Moderator
 
Join Date: Feb 2012
Location: SW UK
Posts: 14,881
• Horses: 0
Insurance companies can be notorious for not wanting to pay out with horses.

When it comes to making a claim, especially of a third party is involved always claim negligence.

A friend had a horse she was lungeing in the field jump out over a 5' hedge into the road. A car was coming, swerved to moss the horse and hit a telegraph pole instead. Neither driver, passenger or horse were harmed, only the car.
Friends father lent them a car, had their car repaired and put in the costs to the insurance company. On the forms it asked if they were negligent and this was filled in negative.
The company refused to pay saying it was an 'act of God.'

Two or three years later friend had a different horse do exactly the same thing, jump out. The same make amd colour car swerved and hit the same pole. When it came to filling in the forms I put that she was negligent and shouldnt have been lungeing a fresh horse in the field. They paid with no hesitation.

Another friend wanted to have her navicular affected mare PTS but they said there was no need. My vet filled in the form saying it was for the best and when asked why he just put 'Act of God' playing them at their own game.
They paid out.
Foxhunter 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









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
Equine Insurance rexwabbits Horse Health 7 04-24-2014 08:47 PM
Equine Insurance Hero Horse Health 5 07-05-2013 08:41 PM
Equine Insurance ... Do you have it? beau159 Horse Talk 0 08-13-2012 12:47 PM
Equine Insurance?? MooseDragon Horse Talk 11 06-17-2012 09:03 PM
Equine Insurance SaratogaTB Horse Health 8 08-22-2010 08:26 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