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Hungarian Midget Woman
  
Location: Midwest | halter_ego - 2014-08-05 1:00 PM
barrelracr131 - 2014-08-05 10:15 AM Will anyone insure a 17 yo with a history of sand colic and very mild hock issues, or am I wasting my time looking into that?
ETA: I'd likely just want to do mortality and loss of use... His value I'd set at maybe 5-7K? He's a 3D anywhere but will creep into the 2 or 1D sometimes locally (depending on who is running and if I don't suck at riding him. lol)
You typically have to claim all history or past issues with a horse before insuring, and they are often times excluded from coverage. Also know, most insurances will not cover inter-articular injections, even if deemed necessary for soundness, etc.
I'm getting some quotes back. It seems like they will still offer mortality, but exclude some things as mentioned above. I believe they may also require a vet exam in some cases, but it is possible to insure one this old! |
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Extreme Veteran
Posts: 322
| barrelracr131 - 2014-08-05 11:15 AM Will anyone insure a 17 yo with a history of sand colic and very mild hock issues, or am I wasting my time looking into that?
ETA: I'd likely just want to do mortality and loss of use... His value I'd set at maybe 5-7K? He's a 3D anywhere but will creep into the 2 or 1D sometimes locally (depending on who is running and if I don't suck at riding him. lol)
I'm sure there are companies that are willing to insure a 17yo horse and they can possibly add exclusions pertaining to sand colic or any prior lamesness -- the decision will come to you whether the price is worth it or not. The higher risk - higher price. |
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Hungarian Midget Woman
Location: Midwest | Mis_Trev - 2014-08-05 1:14 PM barrelracr131 - 2014-08-05 11:15 AM Will anyone insure a 17 yo with a history of sand colic and very mild hock issues, or am I wasting my time looking into that?
ETA: I'd likely just want to do mortality and loss of use... His value I'd set at maybe 5-7K? He's a 3D anywhere but will creep into the 2 or 1D sometimes locally (depending on who is running and if I don't suck at riding him. lol) I'm sure there are companies that are willing to insure a 17yo horse and they can possibly add exclusions pertaining to sand colic or any prior lamesness -- the decision will come to you whether the price is worth it or not. The higher risk - higher price.
The price wasn't bad actually that I got back, but I will probably pass considering he's a 3D horse solid that sometimes hits 2nd or 1st div. I'm going to think on it and get more quotes. |
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 Super Woman
Posts: 1365
 
| I just got done dealing with this. Plains will NOT do loss of use on a rodeo horse. |
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Super Woman
Posts: 1365
| If anyone has insurance for loss of use on a rodeo horse please let us know!! So far I can get everything but that. |
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Extreme Veteran
Posts: 322
| The Hartford will do loss of use for a barrel horse. I dont know what agencies write with them - I did my own since I work for an insurance agency.
I personally did not take Loss of Use - I heard that even if you buy it many companies still dont pay out. Many times our/your definition of 'loss of use' and an insurance companys definition are different. Also my understanding is the insurance company could (many times dont) take your horse if they pay out on Loss of Use. |
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 Born not Made
Posts: 2931
Location: North Dakota | Regarding LOSS OF USE insurance companies.... don't do it.
I called around to several different companies when I was price shopping and I asked all of them about a Loss of Use Policy. They all told me don't do it.
You pay a high amount of money, for what you are getting.
If you file a claim for your lame horse (not dead horse .... but a horse that has lost its use), they come and TAKE your horse.
And you only get a percentage of what your horse is worth, not the full amount.
Either way, a Loss of Use policy is a waste of your money and I don't recommend it.
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 Don't Wanna Make This Awkward
Posts: 3106
Location: Texas | r_beau - 2014-08-05 4:21 PM Regarding LOSS OF USE insurance companies.... don't do it.
I called around to several different companies when I was price shopping and I asked all of them about a Loss of Use Policy. They all told me don't do it.
You pay a high amount of money, for what you are getting.
If you file a claim for your lame horse (not dead horse .... but a horse that has lost its use), they come and TAKE your horse.
And you only get a percentage of what your horse is worth, not the full amount.
Either way, a Loss of Use policy is a waste of your money and I don't recommend it.
Yup I wanted loss of use on my gelding but when I heard they would take him?? Ummm? Take him WHERE? No money is worth knowing that my horse is still safe and happy at my home, especially one that is worth so much to me.
I just recently switched to Wilkins from Markel, my dad handled everything with Markel and I've done everything with Wilkins. When they got my inurance request form they called me and went over everything, I explained exactly how I got to the price I thought he was worth. They agreed with me and everything has gone smoothly thus far. |
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Veteran
Posts: 105
| horseinsurancenow.com handles our insurance with excellent results. Please understand what you buying and he explains it very well. The insurance carrier is the Hartford, but remember you have to have a agent to represent you when you have problems. |
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Veteran
Posts: 105
| horseinsurancenow.com handles our insurance with excellent results. Please understand what you buying and he explains it very well. The insurance carrier is the Hartford, but remember you have to have a agent to represent you when you have problems. |
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 Banned by Booger
Posts: 2168
Location: Huffman, Texas | I use LCI.. one of mine had to have colic surgery...i never read the small print till then..LOL...my mortality and thief policy only covered 3K of the surgery..i had to pay the other 7K...and then they would not insure him for one year after his surgery, he was fine for the year after and then they covered him again..he was 13 when he has his surgery. |
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