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Extreme Veteran
Posts: 408
| I'm shopping for horse insurance and I would love to hear your opinions: The must haves, the don't need to have, the companies to avoid, personal experiences etc.
Thanks so very much,
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 Elite Veteran
Posts: 928
 
Location: Northern CA | I highly recommend Markel. I have had them for years, have never had a problem with them paying on claims, whether it was a deep digital tendon injury that required stem cell or a two year old with a horrendous bone cyst that had to be euthanized. I have mortaility on 3, surgical on one of them, and major medical on one. Is has been a life saver and I will continue to insue any of mine valued at $10,000 or above. We now use them for liability and property insurance on our cattle as well. |
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Expert
Posts: 1343
Location: East Texas | I use Horse Insurance Specialists out of Pilot Point, Texas. Luckily, I have never had to file a claim, but they are friendly, knowledgeable and easy to work with! |
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Extreme Veteran
Posts: 375
Location: San Antonio, TX | www.gethorseinsurance.com
Jennifer Crawford
Plains Horizon
They have many options depending on what coverage you want and how much you can afford. |
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Extreme Veteran
Posts: 542
| https://www.markelinsurance.com/horseandfarm/specialists-detail/vick...
Miss Vicki! She is awesome to work with...she knows horses, gives her personal cell out, and has great customer service! |
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Extreme Veteran
Posts: 408
| thanks for all the excellent recommendations. Any companies that I should stay away from? I know this might be a very personalized question but do you think is better to have a lower mortality coverage and maximize the major medical? I know our horses are priceless but just trying to make an informative decision. I wish I had unlimited funds unfortunately I don't LOL.
Thanks again :)
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 My Heart Be Happy
Posts: 9159
 
Location: Arkansas | Bump |
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 Elite Veteran
Posts: 891
| Rosie Bradley was wonderful with insuring my fut filly for what we know she is worth. I highly recommend her. I will only use her from now on.
Edited by okhorselover 2018-09-29 8:09 PM
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 boon
Posts: 1
| I use Broadstone. They are one of the few that will allow you to have more Major Medical coverage than mortality. We raised our horses, and they are irreplaceable, so I have two horses with $1500 mortality and $7500 major medical. I want to be able to fix them if anything happens. I have another we paid for, and she has $10,000 mortality, and $7500 major medical.
My total annual premium for the 3 horses is $1093.
They have been great to work with. |
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 The One
Posts: 7998
Location: South Georgia | I use Star H Insurance, underwritten by Hartford. They pay claims quickly. My major medical coverage is far more than my mortality coverage. That's how I want it. Not all companies allow this. And this company has no minimal premium. |
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The One
Posts: 7998
Location: South Georgia | love2ridepre - 2018-09-28 8:44 AM thanks for all the excellent recommendations. Any companies that I should stay away from? I know this might be a very personalized question but do you think is better to have a lower mortality coverage and maximize the major medical? I know our horses are priceless but just trying to make an informative decision. I wish I had unlimited funds unfortunately I don't LOL. Thanks again :)
I did use Horse Insurance Specialists about 10 years ago and they were a nightmare. They'd send past due invoices after I had paid on time and it was a hassle to deal with them. |
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Elite Veteran
Posts: 883
Location: Southern Indiana | scruffy's mom - 2018-09-30 9:14 AM
I use Broadstone. They are one of the few that will allow you to have more Major Medical coverage than mortality. We raised our horses, and they are irreplaceable, so I have two horses with $1500 mortality and $7500 major medical. I want to be able to fix them if anything happens. I have another we paid for, and she has $10,000 mortality, and $7500 major medical.
My total annual premium for the 3 horses is $1093.
They have been great to work with.
This is who I went through. I haven't purchased any major medical yet. I just went with mortality through American Reliable. For $100 more I can get a basic major medical through the Hartford. I may do that next year. Not sure, I am not sold on the idea of it yet. I am ok paying out of my pocket and not having to worry about things being excluded, etc. |
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 Expert
Posts: 2489
Location: somewhere up north | We've used www.albrachtinsurance.com for over 10 years. Great company and service! |
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Extreme Veteran
Posts: 408
| Is major medical a good thing to have? My biggest thing is that some of them have so many exclusions that it is hard to see if that's a good thing to spend the money or not. |
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The One
Posts: 7998
Location: South Georgia | love2ridepre - 2018-10-01 3:22 PM Is major medical a good thing to have? My biggest thing is that some of them have so many exclusions that it is hard to see if that's a good thing to spend the money or not.
Oh my gosh yes. For example, I had my guy scoped for ulcers last week. Vet perscribed a month of Gastrogard. The bill was $1500. I paid $366 (deductible and 66 farm call fee). This is just one example.
I rarely have a horse die, but I ALWAYS seem to have ungodly vet bills.
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 Elite Veteran
Posts: 1100
Location: Southeastern Idaho | I have a stupid question that goes along with this. Does it matter what state you are in? If I am in Idaho and looking to insure do I need to go with a local company? |
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The One
Posts: 7998
Location: South Georgia | No. Doesnt matter. |
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 The Bling Princess
Posts: 3411
Location: North Dakota | luvropin - 2018-10-01 2:38 PM I have a stupid question that goes along with this. Does it matter what state you are in? If I am in Idaho and looking to insure do I need to go with a local company?
No, you don't have to go with a local agent. In my experience most companies that write insurance of this nature are licensed in all 50 states. |
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The One
Posts: 7998
Location: South Georgia | On the topic of horse insurance, I submitted a claim after the vet left last week Thursday and I received the check from The Hartford on Tuesday this week! Now that's fast. |
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The Bling Princess
Posts: 3411
Location: North Dakota | horsegirl - 2018-10-03 7:03 AM
On the topic of horse insurance, I submitted a claim after the vet left last week Thursday and I received the check from The Hartford on Tuesday this week! Now that's fast.
WOW! I am an insurance agent and I can tell you that is SUPER FAST!! The ink barely had time to dry before it was put in the mail!LOL A company is only as good as their claims processing! Go Hartford! |
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Extreme Veteran
Posts: 408
| Ok, so another stupid question pbb BUT would you guys insured lower for Mortality insurance than Major Medical? My horses are priceless to me but my bank account doesn't agree  |
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The One
Posts: 7998
Location: South Georgia | love2ridepre - 2018-10-04 12:14 PM Ok, so another stupid question pbb BUT would you guys insured lower for Mortality insurance than Major Medical? My horses are priceless to me but my bank account doesn't agree
I think some of us have replied about this earlier up in this same thread, but yes. My horse is insured for what I paid, but my major medical coverage is for a higher amount. Some companies do not allow you to do this. Mine had no problem with it. |
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Extreme Veteran
Posts: 408
| got it... missed that post! I am sorry |
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Looking for recommendations on Horse insurance