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 Elite Veteran
Posts: 797
  
Location: Big Sky Country | So I have had my horse insured with Markel for 8 years. I have never collected a dime from them. My horse colicked once (non surgical) and this last year he had a small tear in his suspensery, Now I get a letter saying if ANYTHING happens to that leg he is not covered for anything. Is that normal or do I need to shop around? He is a 14 year old barrel horse and has returned to competition. Who do you use? Thanks |
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  Neat Freak
Posts: 11216
 
Location: Wonderful Wyoming | Donkey Jockey - 2015-06-11 10:50 AM So I have had my horse insured with Markel for 8 years. I have never collected a dime from them. My horse colicked once (non surgical) and this last year he had a small tear in his suspensery, Now I get a letter saying if ANYTHING happens to that leg he is not covered for anything. Is that normal or do I need to shop around? He is a 14 year old barrel horse and has returned to competition. Who do you use? Thanks
That's normal. In my experience with horse insurance you pay a ton in and they do anything in their power to get out of paying. Unless it is a cut and dry death, or an injury happens early on when you just get insurance, you will be money a head to save that insurance money in the bank and use it for a vet payment or to buy a replacement horse.
This is my thought unless it is a horse of very high value $20k plus and winning every barrel race in sight or a standing stallion/proven producing broodmare. |
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Blessed 
Location: Here | Plains Horizon has a Special accident policy very affordable But it doesn't cover medical http://gethorseinsurance.com/equine-special-accident/ |
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 Shelter Dog Lover
Posts: 10277
| wyoming barrel racer - 2015-06-11 12:06 PM Donkey Jockey - 2015-06-11 10:50 AM So I have had my horse insured with Markel for 8 years. I have never collected a dime from them. My horse colicked once (non surgical) and this last year he had a small tear in his suspensery, Now I get a letter saying if ANYTHING happens to that leg he is not covered for anything. Is that normal or do I need to shop around? He is a 14 year old barrel horse and has returned to competition. Who do you use? Thanks That's normal. In my experience with horse insurance you pay a ton in and they do anything in their power to get out of paying. Unless it is a cut and dry death, or an injury happens early on when you just get insurance, you will be money a head to save that insurance money in the bank and use it for a vet payment or to buy a replacement horse.
This is my thought unless it is a horse of very high value $20k plus and winning every barrel race in sight or a standing stallion/proven producing broodmare.
Edited by rodeomom3 2015-06-11 1:01 PM
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Extreme Veteran
Posts: 322
| I just had that freak accident and so happy I had insurance... I wont be without it again! Part of having insurance is also having a good agent that will stand by you and question the insurance companies! I am a licensed insurance agent myself so I shopped not only insurance companies, but agents as well. (Since equine insurance is not my specialty I went to another agent). Every insurance company is different and it is perfectly acceptable for you to call your agent and question this.
I questioned having insurance as my policy expired in Nov. I thought, well I can just save the money. My 2 y/o filly was going to training this summer so I thought I'll get insurance again just in case. My insurance was eff 6/1 - my filly got kicked in the shoulder on 6/4 and fractured her elbow bone which required surgery. I have had no issues with the insurance company and they more than accommodated me (they will investigate to make sure I didnt wait for insurance to be effective, but that is totally expected). I am sure after she is healed and the claim is closed they will add an exclusion for the future, but my case is more extreme than a small tear. |
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Horse Insurance question