Equine Insurance - The Horse Forum
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post #1 of 6 Old 11-26-2014, 02:25 PM Thread Starter
Join Date: Dec 2009
Location: Iowa
Posts: 6,082
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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
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post #2 of 6 Old 11-27-2014, 07:54 AM
Join Date: Oct 2009
Location: wisconsin
Posts: 5,722
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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.
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post #3 of 6 Old 11-27-2014, 08:02 AM
Join Date: Sep 2011
Location: Germany- but not German =D
Posts: 5,155
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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!
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post #4 of 6 Old 11-27-2014, 08:20 AM Thread Starter
Join Date: Dec 2009
Location: Iowa
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I pay 675.00 for 10k of life and health insurance. I just had a 3500.00 claim so it was well worth it.
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post #5 of 6 Old 11-27-2014, 08:25 AM
Join Date: Sep 2011
Location: Germany- but not German =D
Posts: 5,155
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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!
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post #6 of 6 Old 11-28-2014, 11:21 AM
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Location: SW UK
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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.
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