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 Elite Veteran
Posts: 678
  
Location: Canada | As previous posters said I would review your insurance policy and what they determine to be "Acts of God" many insurance companies also have insurance available for Specific Perils which include Acts of God (Fire, Lightening, flood etc.). If they do insure for specific perils, at typically a lesser rate then full mortality, then I would be arguing why you're paying a higher premium and they are refusing to cover you for an accident.
Unfortunately you're going to need to fight this. As another poster said contact your broker (if you have a relationship) and get them involved.
To those who buy insurance ask a couple of vets what companies they like to deal with and who they've had good and bad experiences with. We have all our horses, and client horses insured, through one company because every vet in our area that I've spoken to was thrilled with how easy they are to work with, and how quick they are to pay claims. I'm hoping to not have to make a claim but at least I know they have a good previous reputation so it makes things easier. |
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 I Prefer to Live in Fantasy Land
Posts: 64864
 
Location: In the Hills of Texas | This is why I no longer insure my horses.
So sorry you are going through this.
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Expert
Posts: 1956
Location: Ky | Nevertooold - 2016-11-30 4:09 PM This is why I no longer insure my horses.
So sorry you are going through this.
I've only ever had one claim with horse mortality. First day of deer season I had a horse get shot. But wasn't killed by the shot. The vet said he couldn't be saved and had to put him down.
They gave my vet a hard time on the phone about why he put him down and my vet stood firm that was the only option. I got paid in about a week. |
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Elite Veteran
Posts: 953
| That's so sad they denied you like that. I would fight It! Not to steal your thread but has anyone had luck collecting on horse insurance claims? I have mine insured but I always wondered if I needed them, like in this woman's situation, if they would pay or "get out of it." |
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Duct Tape Bikini Girl
Posts: 2554
| First of all, so sorry about your horse. I have heard several disgusting stories of equine insurance refusing to pay, therefore, I have never purchased it. When I pay, I expect service, and the fine print on the insurance plans is ridiculous enough.
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 Famous for Not Complaining
Posts: 8848
Location: Broxton, Ga | Bear - 2016-11-28 2:31 PM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
I bet you just look for openings to say sh!t like this, solely for the purposes of being provocative and incendiary.
Be thankful that you live in a country that preserves your right to insert your irrelevant, vituperative denunciation of God solely for the purposes of agitating people.
Seems a little on the angry side..........Js........ |
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 BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | CJE - 2016-11-30 7:22 PM
Bear - 2016-11-28 2:31 PM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
I bet you just look for openings to say sh!t like this, solely for the purposes of being provocative and incendiary.
Be thankful that you live in a country that preserves your right to insert your irrelevant, vituperative denunciation of God solely for the purposes of agitating people.
Seems a little on the angry side..........Js........
Who me? Nah....no reason to be angry. Why should I be angry? A definitive statement like "there is no God" adds valuable information to the discussion. She was simply trying to be helpful. |
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 My Heart Be Happy
Posts: 9159
Location: Arkansas | Bear - 2016-11-30 11:43 PM
CJE - 2016-11-30 7:22 PM
Bear - 2016-11-28 2:31 PM
SloRide - 2016-11-28 7:35 PM
I would fight it. It was not an act of God because there is no God. It was a slip an fall not an earthquake, flood, tornado which are all considered acts of God by insurance standards. But I guess if you believe in God wouldn't everything be considered an act of God?
Anyways, just fight it if you can. It was an honest accident.
I bet you just look for openings to say sh!t like this, solely for the purposes of being provocative and incendiary.
Be thankful that you live in a country that preserves your right to insert your irrelevant, vituperative denunciation of God solely for the purposes of agitating people.
Seems a little on the angry side..........Js........
Who me? Nah....no reason to be angry. Why should I be angry? A definitive statement like "there is no God" adds valuable information to the discussion. She was simply trying to be helpful.
Bear you slay me. . . . |
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Industrial Srength Barrel Racer
Posts: 7268
| luckyjo - 2016-11-30 6:12 PM
First of all, so sorry about your horse. I have heard several disgusting stories of equine insurance refusing to pay, therefore, I have never purchased it. When I pay, I expect service, and the fine print on the insurance plans is ridiculous enough.
I don't think I will ever purchase it again. I've had it in the past and never had to collect (thank heavens as it sounds like it would have been a PITA). It's really sad/maddening that their first course of action is to DENY. |
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Veteran
Posts: 276
| Maybe another thing you can try is to threaten to take your story even further into the public eye. The horse industry and especially barrel racing is so tight knit, the power of social media could be extremely to your favor. I would think you wouldn't be able to do this if there is litigation tied up, but maybe you could threaten before you seek legal action? Maybe a terrible idea, but it comes to my mind. Not sure how much you're claim would be, but if the company has to think about potential business lost, they may see it more wise to just pay you off. |
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 Expert
Posts: 2457
| SpaceCowboy - 2016-12-01 8:58 AM
Maybe another thing you can try is to threaten to take your story even further into the public eye. The horse industry and especially barrel racing is so tight knit, the power of social media could be extremely to your favor. I would think you wouldn't be able to do this if there is litigation tied up, but maybe you could threaten before you seek legal action? Maybe a terrible idea, but it comes to my mind. Not sure how much you're claim would be, but if the company has to think about potential business lost, they may see it more wise to just pay you off.
Careful - this can border on slander and then you'll have a larger mess ...... |
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BHW Resident Surgeon
Posts: 25352
Location: Bastrop, Texas | lindseylou2290 - 2016-12-01 10:20 AM
SpaceCowboy - 2016-12-01 8:58 AM
Maybe another thing you can try is to threaten to take your story even further into the public eye. The horse industry and especially barrel racing is so tight knit, the power of social media could be extremely to your favor. I would think you wouldn't be able to do this if there is litigation tied up, but maybe you could threaten before you seek legal action? Maybe a terrible idea, but it comes to my mind. Not sure how much you're claim would be, but if the company has to think about potential business lost, they may see it more wise to just pay you off.
Careful - this can border on slander and then you'll have a larger mess ......
How so? |
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Veteran
Posts: 217
| As an Equine Insurance Agent, I am disheartened by all the "unpaid claims". I can tell you the importance of building a relationship with your agent and make sure they know the ins and outs of your horse business.
The only claims I see not paid are those that were not covered losses or when foul play was involved (not suggesting that in this care)
Example of No-Coverage - Horse is insured under a special accident policy and dies of colic. or . horse had prior history of laminitis (prior = before policy was placed), policy issued with an exclusion and later horse was euthanized due to laminitis.
MAKE SURE YOU KNOW WHAT YOU ARE BUYING, AND THAT YOU ARE BUYING IT FROM SOMEONE YOU TRUST!!
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 To the Left
Posts: 1865
Location: Florida | I used LCI for many years, had two claims and they were great each time. |
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 Did I miss the party?
Posts: 3864
| jewels - 2016-11-30 7:08 AM I did not get my money as well. I had vets write statements. Mine was colic and she died shortly after getting her to vet. Didn't even make it to the table and not able to end her suffering. It was terrible. I will tell you the carrier was Great American. I do not recommend this company to anyone!!!! If your insurance agent uses Great American - I would really consider getting new insurance. Also 2 years before she did she had to have PRP treatment done for a torn ligament.... I barely got my money for that. BARELY!!! I don't have anything insured at the moment and IDK if I ever will.
This surprises me. I've had a few different companies over the years but, for the past 4 years I've had Great American. I had a claim this year for a lameness that was difficult to find. Finally, after 2 MRI's on 2 different areas it was found. The claim was open for 5 months during this process. Great American covered everything from the MRI's to the treatments that included Tildren and Stem Cell. I know they have varying coverage you can choose but, my entire major medical benefit was exhausted and they paid easily and quickly.
I also have two close friends who had claims last year and they too had no issue getting paid. These cases were all lameness issues though and not a colic incident. I'm sorry for the loss of your horse. |
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 Elite Veteran
Posts: 695
Location: Missouri | We used LCI and they were excellent to work with! we had 2 claims over the years and both paid out very quick! Vet answered questions and that was it! |
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Extreme Veteran
Posts: 380
| Whoa, sorry OP. I did not intend to turn your post into a controversy. I was just really feeling some aggravation over your situation. We have been on the fence about insuring my mare and stories like this just make me second guess it. Sucks because it's nice to be able to have that peace of mind, but it doesn't seem like we get what we pay for anymore.
To the other posters. I am aware the act of god is an insurance term. My statement was purely sarcasm. I do not think OP's situation was caused by an act of god by most insurance company standards. But we do not know what the policy says. I am betting slipping on wet ground doesn't fall under act of god under their policy because nobody would buy it if that were the case.
Oh and check that part of the Bible that says something about not quarreling with nonbelievers please and to love your neighbor.
Edited by SloRide 2016-12-02 9:34 AM
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 Expert
Posts: 1463
Location: oklahoma | barrelracinbroke - 2016-12-01 2:02 PM
jewels - 2016-11-30 7:08 AM I did not get my money as well. I had vets write statements. Mine was colic and she died shortly after getting her to vet. Didn't even make it to the table and not able to end her suffering. It was terrible. I will tell you the carrier was Great American. I do not recommend this company to anyone!!!! If your insurance agent uses Great American - I would really consider getting new insurance. Also 2 years before she did she had to have PRP treatment done for a torn ligament.... I barely got my money for that. BARELY!!! I don't have anything insured at the moment and IDK if I ever will.
This surprises me. I've had a few different companies over the years but, for the past 4 years I've had Great American. I had a claim this year for a lameness that was difficult to find. Finally, after 2 MRI's on 2 different areas it was found. The claim was open for 5 months during this process. Great American covered everything from the MRI's to the treatments that included Tildren and Stem Cell. I know they have varying coverage you can choose but, my entire major medical benefit was exhausted and they paid easily and quickly.
I also have two close friends who had claims last year and they too had no issue getting paid. These cases were all lameness issues though and not a colic incident. I'm sorry for the loss of your horse.
I know some people who use Great American & have got paid. I know some who use it & don't get paid. I had major medical on my horse, death, loss of use. With the prp treatment what got me is this and in all honesty - I think my honesty was what caused this issue. Every year I listed 3 vets that I use. One is my local vet & I used him for coggins, meds etc. Another vet I used was mainly for injections and then I would go to a vet that is 3 hours away if I thought my more local vets might not be getting something or if I was up that way or if we had a horse colic b/c they would be the one doing surgery. Anyways Great American contacted all 3 requesting records on ALL work I have done. Not just the horse in ? for the prp. What they finally told me was that they were trying to make sure I was taking this mare in as a grade mare. Okay fine I get that. I had taken another horse I owned in and she is grade & they injected her...... So they denied my claim b/c they said she had too many injections in 1 year in her hocks. My registered mare had been injected once & the other mare 2 times..... over a years time... so that made 3 total. The prop was for a torn suspensory not anything to do with hocks so I didn't understand that. Anways I called my vet & we both had to call insurance... then my vet had to send in a statement & description of both horses. Even though that was on records sent to insurance on ALL my horses. And I only had one insured. IMO they were just trying to not pay me. I get that people are dishonest & try to cheat the system & I take pride on being a honest person. But if I ever have another horse insured- I probably won't be real honest, I can think of a few things that probably would have helped me get my money for prp easier & money for the death. Also my two local vets called & told me that how much hell my insurance was giving them & how rude they were. One of them has done some surgeries & deals with insurance all the time and said my company was the worst he had ever dealt with. I wish I would have switched then - maybe I would have at least got my money to start over with another horse.
As for colic that's another long story... I will say she never healed from the suspensory & would not be able to run again. They denied loss of use b/c I could still use her for a broodmare. Which to this day I still don't understand that b/c I sure thought loss of use meant loss of running barrels. Anyways a year later she went on to colic. Anyways I try to be over it but I just dont' feel that any of that was right. But I am blessed b/c she did have 1 colt before passing & I am just now starting to run him & he is very nice. So at the end of the day, I should just move on. Sorry very long story & I tried to keep it short so I hope you understand all that.
Edited by jewels 2016-12-02 9:35 AM
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 Tried and True
Posts: 21185
Location: Where I am happiest | We have our horses insured with Wilkins Livestock and they have been great. We had a major medical claim last month and we had the check within 2 weeks. Horse colicked and the local vet refered her to the surgical center. I called our agent while she was enroute to the surgical center and he refered me directly to the adjuster. Kept in contact with the adjuster the whole 5 days she was in the hospital and they paid right off.
? With that said, you have to notify your insurance company the minute there is a problem and keep in contact through the whole process. If you dont communicate from the very beginning, they can be difficult and rightfully so. We even had a weanling get a roofing nail in his foot, didnt have major medical on him but still notified them. Had the vet x-ray before pulling the nail to be sure he didnt puncture anything in there. Had we NOT notified them, and the colt later developed a severe infection and we ended up having to put him down, they could have denied the mortality claim. Thank God that didnt happen. The moral of all this story is communicate from the very beginning!! |
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| Sorry that I have not posted an update. He was family and this denial has kicked hard in the gut. It is State Farm Ins. Our agent is trying to appeal. I will try filling in more details later so that those that are agents can help me fill out the appeal. |
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