Sunday, February 21, 2010

Can I Buy Only Major Medical Insurance For My Horse?

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Wednesday, September 30, 2009, 0:46
This news item was posted in Medical Information category and has 3 Comments so far.

I want to purchase an insurance policy for my 8 yr old American Warmblood gelding. I only want major medical/surgical and loss of use, not mortality insurance. Does any one know any good policies in the USA? My gelding is used for low level hunters and is valued b/t 15 and 20k. Any insurance company recommendations would help as I am lost on this one. Also, what are your experiences with insurance companies? are there any to avoid, and how would I be sure one is reputable. Thanks!!

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3 Responses to “Can I Buy Only Major Medical Insurance For My Horse?”

  1. troubles said on Wednesday, September 30, 2009, 2:37

    Hi Nikki,
    Horse insurance that you are describing can be very costly and most that I have researched are quite limited in scope. And while you are not intested in mortality insurance, my only experience was with that type, and I learned to regret doing that.
    One must thoroughly research each company and their requirements to issue a policy. You have some good links already to do that, but each carrier covers different things, with a wide variety of coverage. In addition, the horse must have a thorough veterinary exam, and if any hidden conditions emerge, they may be deemed uninsurable.
    My veterinarian suggested, when I was considering renewal on an older horse, was to put money aside each month to cover any routine care. Once a horse develops certain conditions, that particular condition is generally excluded upon renewal. I followed his sage advice. While one may not be able to raise the huge amount of money that some surgeries may require, it can be a roll of the dice if a horse does become injured or ill which requires catastropic veterinary care. It is a quandry for sure.
    For some interesting information from two insurance carriers that describe the types of coverage that they offer,
    here are two additional links for you.http://www.bayerequineconnection.com/Mai…http://www.southwestequinemedical.com/in…
    The second one really talks about the types and the conditions not covered, and what to expect.
    You could also talk to your veterinarian about your interest in purchasing insurance. He/she may have some good insights and advice for you. Equine vets should be able to suggest companies with whom they have had experience and trust.
    Hope this helps!
    Troublesniffer
    40 years owned by cats, and a former horse servant!

  2. Rosi M said on Wednesday, September 30, 2009, 3:54

    http://www.horseinsurance.com/
    http://www.equispec.com/
    http://www.equineinsurancecenter.com/
    http://www.hallmarkhorse.com/
    http://www.equisure-inc.com/
    http://www.equineworldinsurance.com/
    http://www.frysequineinsurance.com/
    http://www.buxtonequine.com/

  3. stuntkid said on Wednesday, September 30, 2009, 10:29

    you can buy insurance for almost any thing

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