|
|
 Accident Prone
Posts: 22277
   
Location: 100 miles from Nowhere, AR | svincent - 2014-04-28 11:40 PM RodeoCowgirl4u - 2014-04-28 11:31 PM I use Markel and they were pretty straightforward, too. I also have major medical and my horse is insured for $5k. Once he goes to training I will probably get him covered for more. I have a $375 deductible for medical and $5k of colic surgery insurance. If you need or want contact info please let me know and I will hook you up with one of my friends, she is one of their agents and can help you figure it out. This is the company I originally spoke with - and the lady acted like I was speaking Mandarin or something. I liked their coverage though, and would love to maybe talk with the company again. Could you message me your friend's info?
I used Markel for a short time many years ago and was not impressed with their service at all. |
|
| |
|
 Elite Veteran
Posts: 999
Location: Sunny So Cal | Have you tried Cinquini Insurance Services? The guy, Stacey, is really nice and helpful. Tries to work with you and super affordable. Here is his number (949)289-4722 or you can email him at [email protected] |
|
| |
|
 ND Sweetheart
Posts: 3471
Location: In My Own Dream Land | I use Plains Horizon. I stated purchase price, PLUS board, care, etc for the 2 years before he went to the trainer, plus any and all fees at the trainer. They had no issue what so ever. |
|
| |
|
Elite Veteran
Posts: 1018
Location: Central, Texas | tThompson - 2014-04-30 7:23 PM I use Plains Horizon. I stated purchase price, PLUS board, care, etc for the 2 years before he went to the trainer, plus any and all fees at the trainer. They had no issue what so ever.
But did you file a claim? I have talked to a few insurance companies, and they have no problem taking your money to insure for whatever value, but when it comes time to make a claim how is it going to work if that horse dies? |
|
| |
|
Elite Veteran
Posts: 725
| In this case the horse owner should be able to use the purchase price as the foundation for the value. After the purchase price all companies that we deal with then will allow you to increase the value based on additional training etc. That sounds like all you are wanting and I don't see why you would be having a problem. YOu can;t use the winning on the track becasue that was actually earned before you purchased the horse and should have been taken into consideration in establishing the purchase price. |
|
| |
|
 The One
Posts: 7998
Location: South Georgia | svincent - 2014-04-29 12:06 AM wyoming barrel racer - 2014-04-28 11:01 PM If you have training AFTER you bought him, you can add all that. Otherwise if you need to file a claim, you will have to have hard proof of how he is of the value you claim. I keep bill of sales on what I have paid and also copies of checks paid for training. Yes, this. Say I paid $1k for him, and now he's in training for $1k per month - he's been there six months. I'd like to insure him for that 7k - for no other reason than to get my money back should he break a leg or something. I feel like that's not unreasonable. Or maybe it is? He is PRICELESS to me, but I'm not a dummy. I just am interested in protecting the investment at this point.
You can insure him for that amount (at least with the companies I have used). I had one that the value was raised due to training expenses. |
|
| |
|
The One
Posts: 7998
Location: South Georgia | Dobbs Equine Insurance is amazing. They have a website. I highly recommend them, by the way. |
|
| |
Folks on-line