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Can I Buy Only Major Medical Insurance For My Horse? |
I necessity to purchase an insurance policy for my 8 yr old American Warmblood gelding. I only want major medical/surgical and downfall of use, not mortality insurance. Does any one know any good policies in the USA? My gelding is habituated to for low level hunters and is valued b/t 15 and 20k. Any insurance company recommendations would alleviate 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!!
Hi Nikki,
Horse insurance that you are describing can be very costly and most that I have researched are altogether limited in scope. And while you are not intested in mortality insurance, my only experience was with that type, and I well-grounded to regret doing that.
One must thoroughly research each company and their requirements to problem a policy. You have some good links already to do that, but each carrier covers different things, with a far-reaching variety of coverage. In addition, the horse must have a thorough veterinary exam, and if any unseen conditions emerge, they may be deemed uninsurable.
My veterinarian suggested, when I was making allowance for renewal on an older horse, was to put money aside each month to substitute any routine care. Once a horse develops certain conditions, that fact condition is generally excluded upon renewal. I followed his sage view. While one may not be able to raise the huge amount of money that some surgeries may require, it can be a somersault of the dice if a horse does become injured or ill which requires catastropic veterinary be responsible for. It is a quandry for sure.
For some interesting information from two insurance carriers that describe the types of coverage that they proffer,
here are two additional links for you.
http://www.bayerequineconnection.com/Mai n/Ownership_Finances/insurance.cfm
http://www.southwestequinemedical.com/in surance.html
The man Friday 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 believable insights and advice for you. Equine vets should be able to suggest companies with whom they have had knowledge and trust.
Hope this helps!
Troublesniffer
40 years owned by cats, and a former horse factotum!
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Horse insurance that you are describing can be very costly and most that I have researched are rather limited in scope. And while you are not intested in mortality insurance, my only experience was with that type, and I well-educated to regret doing that.
One must thoroughly research each company and their requirements to affair a policy. You have some good links already to do that, but each carrier covers different things, with a spacious variety of coverage. In addition, the horse must have a thorough veterinary exam, and if any private conditions emerge, they may be deemed uninsurable.
My veterinarian suggested, when I was taking into consideration renewal on an older horse, was to put money aside each month to blind any routine care. Once a horse develops certain conditions, that special condition is generally excluded upon renewal. I followed his sage par. While one may not be able to raise the huge amount of money that some surgeries may require, it can be a enfold of the dice if a horse does become injured or ill which requires catastropic veterinary nurse. It is a quandry for sure.
For some interesting information from two insurance carriers that describe the types of coverage that they proposition,
here are two additional links for you.
http://www.bayerequineconnection.com/Mai n/Ownership_Finances/insurance.cfm
http://www.southwestequinemedical.com/in surance.html
The alternate 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 sound insights and advice for you. Equine vets should be able to suggest companies with whom they have had undergo and trust.
Hope this helps!
Troublesniffer
40 years owned by cats, and a former horse driver!
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