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 Veteran
Posts: 151
 
| I am trying to renew my insurance with a well known company. Since my horse was scoped and treated for ulcers last July, they are excluding COLIC from major medical AND mortality! He has never colicked or had any history of colic and they are telling me this is standard practice for ulcer treatment.
I am furious, this is a 50K horse and with a $1500 insurance policy he is not covered for colic? This is the main reason I keep insurance.
From now on if I suspect ulcers, I will treat accordingly and not file a medical claim. Just stinks that you pay for coverage that you had better not use :-(
Sorry for the rant! |
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  Neat Freak
Posts: 11216
 
Location: Wonderful Wyoming | Skeetersmom - 2015-06-12 10:07 AM I am trying to renew my insurance with a well known company. Since my horse was scoped and treated for ulcers last July, they are excluding COLIC from major medical AND mortality! He has never colicked or had any history of colic and they are telling me this is standard practice for ulcer treatment. I am furious, this is a 50K horse and with a $1500 insurance policy he is not covered for colic? This is the main reason I keep insurance. From now on if I suspect ulcers, I will treat accordingly and not file a medical claim. Just stinks that you pay for coverage that you had better not use :-( Sorry for the rant!
Who is your company? That is pretty insane considering a huge % of horses have ulcers. |
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 Swiffer PIcker Upper
Posts: 4015
Location: Four Corners Colorado | Ditto what company! |
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 Expert
Posts: 1857
| what company so I can be sure i'm not using them..... |
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 Elite Veteran
Posts: 920
| That seems stupid since its preventative. Your trying to keep major things from happening. They shouldn't punish you. |
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Veteran
Posts: 151
| I am switching over to Plains Horizon. They have a guaranteed renewal policy that sounds fair and reasonable.
It is a huge pet peeve of mine that you get punished for using services that you pay to have.
It would be one thing if they were excluding ulcers, I could live with that... But to exclude colic a year after the ulcers is ridiculous in my book.
Edited by Skeetersmom 2015-06-12 4:49 PM
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 You get what you give
Posts: 13030
Location: Texas | I don't even insure anymore because of stuff like that. I used my insurance when Lucy strained her suspensory then the next year, they wouldnt cover that leg. Not to mention, I still had to pay the deductible and they ended up not covering my PRP because of a an exclusion they had in my policy i overlooked. I understand it in a way but in other ways, it drives me nuts. |
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Neat Freak
Posts: 11216
Location: Wonderful Wyoming | casualdust07 - 2015-06-12 12:19 PM I don't even insure anymore because of stuff like that. I used my insurance when Lucy strained her suspensory then the next year, they wouldnt cover that leg. Not to mention, I still had to pay the deductible and they ended up not covering my PRP because of a an exclusion they had in my policy i overlooked. I understand it in a way but in other ways, it drives me nuts.
This is my opinion too. I have been burned way too many times for being honest. I could have bought a pretty nice stallion for the money I spent on insurance the bast 12 yrs just to be denied when he finally needed put down. Screw em. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
Location: In the Hills of Texas | wyoming barrel racer - 2015-06-12 3:14 PM casualdust07 - 2015-06-12 12:19 PM I don't even insure anymore because of stuff like that. I used my insurance when Lucy strained her suspensory then the next year, they wouldnt cover that leg. Not to mention, I still had to pay the deductible and they ended up not covering my PRP because of a an exclusion they had in my policy i overlooked. I understand it in a way but in other ways, it drives me nuts. This is my opinion too. I have been burned way too many times for being honest. I could have bought a pretty nice stallion for the money I spent on insurance the bast 12 yrs just to be denied when he finally needed put down. Screw em.
I'm with you...I'll never insure a horse again. You're better off taking that premium and putting it in a special account. |
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 Elite Veteran
Posts: 929
| I would also like to know the name of the company so I don't use them. The only thing I have on my side is that my best friend was an equine insurance agent and can assist me in getting one over on them if needed. LOL  |
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You get what you give
Posts: 13030
Location: Texas | Nevertooold - 2015-06-12 4:18 PM
wyoming barrel racer - 2015-06-12 3:14 PM casualdust07 - 2015-06-12 12:19 PM I don't even insure anymore because of stuff like that. I used my insurance when Lucy strained her suspensory then the next year, they wouldnt cover that leg. Not to mention, I still had to pay the deductible and they ended up not covering my PRP because of a an exclusion they had in my policy i overlooked. I understand it in a way but in other ways, it drives me nuts. This is my opinion too. I have been burned way too many times for being honest. I could have bought a pretty nice stallion for the money I spent on insurance the bast 12 yrs just to be denied when he finally needed put down. Screw em.
Pretty much. |
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 Elite Veteran
Posts: 797
Location: Big Sky Country | casualdust07 - 2015-06-12 12:19 PM I don't even insure anymore because of stuff like that. I used my insurance when Lucy strained her suspensory then the next year, they wouldnt cover that leg. Not to mention, I still had to pay the deductible and they ended up not covering my PRP because of a an exclusion they had in my policy i overlooked. I understand it in a way but in other ways, it drives me nuts. I just received the same letter for my horse that had a small suspensory tear.... I didn't ask for a dime from them and I have had insurance for 8 years on him!!
Edited by Donkey Jockey 2015-06-13 12:27 AM
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 Night Chat Leader
Posts: 13150
Location: Home....Smiling M Farms | What insurance do you use? PM me if you want, I'd like to make sure I'm not using them :/ |
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 Expert
Posts: 1970
Location: N. Texas | I actually am an insurance agent. I work with a Great company and the underwriters pay their claims (as long as they are justified and the insurer is not trying to abuse the major medical, which happens more often than not). We bought a rope horse last year for a LOT of money. The previous owner had treated her for ulcers and claimed it under the insurance. Guess what? I have an exclusion, if she dies, or colics DUE TO ULCERS it's not covered. If she colics because she is dehydrated, for example, it is covered. Read your policy carefully, and ask lots of questions. Last year I treated my own horse for EPM and the insurance paid two rounds of expensive medicine. I was surprised that I didn't have an exclusion for EPM at renewal. Major medical has gone up because of the amount of claims. You just need to read your policies carefully and then there will be no surprises. |
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| Last year I had major medical completely denied at renewal on a horse that NEVER had a claim. She had seen the vet twice during the term. Once for an eye infection and once for an abscess. At renewal, she was denied completely and they never paid one dime on anything!! Soooo frustrating!
I switched companies with my new horse! |
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 "Hottie"
Posts: 1373
Location: Okemah,OK | It's going to turn into more and more of a cat and mouse game.... Denying claims, rate increases, dropped coverage, vets charging more to make up the difference, having to hire employees to wade thru all the paperwork, etc. And it'll eventually get to where you can't afford to just pay cash for services.... Just like human health care! I don't know the answer but you can bet that's where is headed right now! |
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 Super Woman
Posts: 1365
| Not sure if anyone follows me on FB but the ones that do know what I have dealt with the past few months with Kat. At her lowest while at Oakridge 3 Insurance companies turned me down. Great Plains talked with me on a Sunday! Mothers Day at that!! And called Dr Hague on Monday and faxed my new insurance policy to Oakridge for me to sign while there. They have been absolutely wonderful!!! I would recommend them to anyone!! |
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Veteran
Posts: 217
| Make sure your policy has GUARANTEED RENEWAL! go to www.gethorseinsurance.Com to learn more about this endorsement. Not all carriers offer it. Feel free to email me to! Jennifer@gethorseinsurance.com
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 Go For It!
Location: Texas |
I personally, will not go without major medical. I have saved a ton of money by having it. They may exclude something the following year, but when it is time to renew again they have always picked it back up. Caitlin is the company that mine is through. It's $300.00 a year and worth every penny, so far.
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 A very grounded girl
Posts: 5052
Location: Moving soon..... | Nevertooold - 2015-06-12 4:18 PM wyoming barrel racer - 2015-06-12 3:14 PM casualdust07 - 2015-06-12 12:19 PM I don't even insure anymore because of stuff like that. I used my insurance when Lucy strained her suspensory then the next year, they wouldnt cover that leg. Not to mention, I still had to pay the deductible and they ended up not covering my PRP because of a an exclusion they had in my policy i overlooked. I understand it in a way but in other ways, it drives me nuts. This is my opinion too. I have been burned way too many times for being honest. I could have bought a pretty nice stallion for the money I spent on insurance the bast 12 yrs just to be denied when he finally needed put down. Screw em.
I agree. Insurance did that with me after a mare we had coliced. They kept putting the rider to exclude colic after 2 years with no issues. |
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 Elite Veteran
Posts: 999
Location: Sunny So Cal | I used to have a lot of problems with my old insurance company. But I switched to Ciniquini Insurance a few years ago and haven't had a problem. He goes over everything and made it super clear. Stacey is great to ask questions so I don't think he would mind the call and you can pick his brain 949-289-4722 Glad to have him on my side, he always goes to bat for me. |
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 Damn Yankee
Posts: 12390
Location: Somewhere between raising hell and Amazing Grace | It's not just horse insurance folks....
We have had auto insurance through USAA for 15 years with absolutely NO CLAIMS whatsoever. None, zero, zilch.
We hit a deer the other week that did a decent amount of damage to our car. We can't even use our **** insurance to get it fixed because the amount of rate increase would cost us more then repairing the car ourselves. And it was a deer....which is supposed to be covered with no increase.
Talk about being robbed of 15 years of premiums |
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Extreme Veteran
Posts: 350
| My experience has been if you have a significant claim, for an illness, they will exclude it the following year or they will increase your premium so much its not feasible. One of my horses became ill after a show and he was hospitalized. they werent sure what was wrong with him, suspected potomac horse fever but blood tests showed negative. Insurance had to pay a $2500 bill. The next year for renewal, they wanted to double his premium. I dropped insurance on him. I like the idea of starting an account with your premium money instead and am going to start doing that. |
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Industrial Srength Barrel Racer
Posts: 7264
| missroselee - 2015-06-15 12:55 PM
It's not just horse insurance folks....
We have had auto insurance through USAA for 15 years with absolutely NO CLAIMS whatsoever. None, zero, zilch.
We hit a deer the other week that did a decent amount of damage to our car. We can't even use our **** insurance to get it fixed because the amount of rate increase would cost us more then repairing the car ourselves. And it was a deer....which is supposed to be covered with no increase.
Talk about being robbed of 15 years of premiums
Home owners is the exact same way, boy, you better pay your premiums on time but by golly, don't ever file a claim or we'll double your premiums! I think insurance is one of the biggest scams ever but a person can't afford to be without it (although, I no longer have horse insurance). |
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Tried and True
Posts: 21185
Location: Where I am happiest | ALL insurance companies are in business to MAKE money. Insurance is the biggest ponzie schemes ever played on the American people. That is the only commodity or service you can buy, ( and many facets mandated, ie: auto ) and then when the chips are down and it's their turn to deliver the goods you paid for, they then get indignant and dont want to deliver the goods/services bought and paid for. That is the only business I know that can say "Well, I know you bought and paid for x service, but now that it's time for us to deliver,,,,,,,,,,,,,, we changed our minds.
Dont ever get into a car accident, full fault of the other driver that hit you, and expect the insurance company to pay up what is owed. They will try to wiggle out of it, and try to drag it out for years, play games, and try to pay a smidgen of the coverage and it dont even cover expences like your vehicle and medical. They pretty much force you to hire a lawyer to get things done. Then by the time you pay all the medical and the lawyer, your still out. Yet we are required by law to carry insurance, but they are not required by law to act in a timely mannor, nor deliver the goods/services that were bought and paid for or the amount purchased..
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BEWARE Insurance Claims!!