<p>Another strange topic. I am possibly going to need to insure a horse. Have any CC parents bought equine insurance?
Looking for mortality and medical/surgical.</p>
<p>I have had our horses insured in the past through Great American. I am in CA and the agent that I used is actually out of CO. I have had several horses insured over that past six years and always insured them for the purchase price (or value if this was actually more than purchase price) and had medical on our horses and ponies. The medical usually only will cover about $7,500 or $8,500 if I remember correctly.</p>
<p>We have not had any horses colic (knock on wood!) and require any surgery, although my D’s little hunter she rode a few years back had to go into the equine center overnight to be scoped and ulcers were found. He was then put on a course of treatment that insurance paid for.</p>
<p>We currently do not own a horse (leasing one for D), but we had a new horse vetted last week for 14 year old and if vet report comes back clean then we will be buying once again!</p>
<p>We have always leased. We are considering buying the horse we currently lease. We were not in the market for a horse but the price is excellent and we are considering it.</p>
<p>We haven’t purchased it ourselves (our horses were never of a price value to warrant it, but they always get all the vet care they need!), but working in several different barns, I have dealt with owners who have it. I believe Great American is one of the companies used here (NJ) also, but many go with Blue Bridle. And most of the owners have both mortality and med/surg. One owner using hers now said it was a good thing this injury happened to her horse before the end of 2008 because he wouldn’t be covered for it after Jan. 1 as he will turn 15. The trainer in the barn is also utilizing hers and has been for almost a year now. The coverage seems to be very good in paying for a wide variety of diagnostics and treatments. However, she still doesn’t have a sound horse yet.</p>
<p>We had a nightmare of a case many years ago when a boarder’s horse at the barn in which I was working ended up fracturing his pastern in turn out. I had to call the owner to tell her that her horse had a severe injury (we didn’t know then that it was fractured) and she ought to come to the barn. She kind of cheerfully said to me “oh, I hope it’s not too serious, I forgot to mail the insurance check!” I nearly choked. However, the vet was able to talk to the insurance company and they paid on the claim.</p>
<p>Our current carrier is Traveler’s. We got mortality and major medical/surgical for about 3% of the purchase prices (or insured value). Knock on wood, I have not had to use the current policy, which we have had for only a year, so I don’t know how easy Traveler’s is to deal with. I like Traveler’s because they bill quarterly; with our prior carrier, it was all upfront. I don’t know where you live, but PM me if you would like any info about our equine agent who is in Kentucky.</p>
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<p>Sorry, that just struck me funny! You can lease a horse? I leased a Mustang once, but I guess that’s not the same thing, huh? ;)</p>
<p>Patsmom- Yep! You can even lease a horse for free. Our last two leases did not include a lease fee. We assumed board and training cost plus a share of the vet fees.</p>