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Veteran
Posts: 106
| Can anyone give me feedback on your experience with equine major medical and mortality coverage?
I am not looking for recommendations of providers...just your experience with actually using the coverage. Was it worth it? any good experiences...any bad ones..
Thanks! :)
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 Expert
Posts: 5293
 
| I just carry Mortality on my horses. Most companies that includes 5,000 for colic surgery, which as you know can go up to double or triple that. lol What most people dont know is that most mortality coverage requires that you do everything you possibly can for the horse. For example, if your horse gets sick and you have them put down they wont cover it as mortality. You would have to attempt surgery or do everything possible. Who knows. I know people with major medical and it has paid for itself, I do not have that coverage personally. |
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Elite Veteran
Posts: 1074
| I've heard good and bad stories. I'm curious as well. I know one person personally that major medical has paid for itself, but another person said not worth the money. Is mortality worth it? I don't want my horse to suffer so that insurance will pay for the claim. |
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Elite Veteran
Posts: 784
Location: USA | I have major medical on my horse I compete on. It has more than paid for it's self. I've had surgeries, MRI's and bone scan. They pretty much have covered everything. That horse is retired now... I have it on my colt I'm going with now. For me it's a peace of mind. |
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 Not Afraid to Work
Posts: 4717
| A friend of mine had major medical/mortality insurance. She talks to me about it a lot and unfortunately had to use hers. It is a lot of paperwork but if you have a good agent, they make the experience as positive as they can. She had a lot of vet bills and didn't spend much out of pocket. Her experience went well when she had to put the mare down but it was again because she had a good, honest agent.
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 Elite Veteran
Posts: 972
Location: Texas! | I have major medical on mine and thank goodness I did. It paid for the $4500 Kissing spine surgery and all the diagnostics except injections leading up to surgery. |
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Elite Veteran
Posts: 863
| Curious to what companies are the most reasonable lets say on a 20-25,000 horse? I'm baffled myself hearing good and bad experiences with insurance |
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Elite Veteran
Posts: 972
Location: Texas! | I have wilkins and it's a $25,000 mortality with $5000 colic and $7500 major medical |
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 Expert
Posts: 2489
Location: somewhere up north | Yes, we carry major medical and mortality on all of our horses age 4 and up. We've had years where we haven't needed it and then years where I was so happy we did. A year ago my barrel mare got sick and had to be at the vet for 2 weeks. To the tune of over $4,000. Thank God she was covered by major medical...as I picked her up Christmas eve. Not the time of year to have extra cash around to pay that vet bill. Two months later my husbands futurity horse slipped on the ice in the pasture and shattered his ankle and had to be put down. We were able to get our mortality insurance on him.
I think most insurance companies rates are similar....we have always used Albracht Insurance out of TX and had great experience with getting our claims. |
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 Elite Veteran
Posts: 678
Location: Canada | I pay 3% of the horses purchase price or justified value (if more the original price) and $200 for $5000 major medical coverage. Luckily this company (in Canada) allows you to insure the horse until it turns 20 without an increase in premiums.
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