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Type: Posts; User: ZELLA

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  1. Consider that it is easier to have a horse and...

    Consider that it is easier to have a horse and show it when you don't work in the horse world. Many grooms/barn managers don't own horses because, after tending to others' horses in a typical 13-hour...
  2. Yes, that's the going rate.

    Yes, that's the going rate.
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    Another enthusiastic thumbs up for Bel Air!

    Another enthusiastic thumbs up for Bel Air!
  4. All the insurance companies have made changes in...

    All the insurance companies have made changes in the past two years that have increased the premiums and deductible, and have added some variation of co-pays and/or sub-limits to coverage for...
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    I board there, and it is still open and accepting...

    I board there, and it is still open and accepting new boarders. The bank owns it and has dubbed the facility "Ravenna Hills" because that is the business entity to whom board checks are sent to now....
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    Since you've scribed before for ridden dressage,...

    Since you've scribed before for ridden dressage, you should have no problem. You can go to americandrivingsociety.org and click on the Omnibus link, and then the listing for the CDE you'll be working...
  7. Another vote for using the CD-L as a navigator...

    Another vote for using the CD-L as a navigator recruiting tool. I've also found gators by posting a thread here on COTH. I've had gators who showed up half an hour before marathon, and gators who...
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    Ruth and Georgia have been in this business for...

    Ruth and Georgia have been in this business for years, and they are very good at explaining your options.
  9. There is no stand-alone medical equine insurance...

    There is no stand-alone medical equine insurance product available in this country. Mortality coverage is the base policy to which you would add med/surg coverage at your option. In the far - like...
  10. A key part of the insured value allowed relates...

    A key part of the insured value allowed relates to how long you've owned this horse since acquiring him for $1. If this is a very recent purchase, you might have difficulty in getting approval for a...
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    Another vote for Thornhill, which fit my cob when...

    Another vote for Thornhill, which fit my cob when Duett and Wintec didn't.
  12. Actually, this isn't true about Diamond State....

    Actually, this isn't true about Diamond State. Their program has a medical option available for any value of horse.
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    I glued the flexible silver bubble-wrap style...

    I glued the flexible silver bubble-wrap style insulation in the nose of my goose. Keeps out the condensation wonderfully and it's like sleeping in a disco ball!
  14. Since the new normal for horse insurance clearly...

    Since the new normal for horse insurance clearly is trending toward either co-pays on some or all vet services, or sub-limits on some services, I think I prefer a sub-limit structure like Hallmark's...
  15. Markel is the only equine mortality insurer in...

    Markel is the only equine mortality insurer in this country that deals with policyholders directly; all the others us networks of independent brokers. The brokers might represent one or several...
  16. Things have changed a lot in the past two years....

    Things have changed a lot in the past two years. New customers and most renewals will find a new level of sub-limits or co-payments. Deductibles are variable but higher overall. AIG pulled out of...
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    G. -- Actually, most companies will OK value...

    G. -- Actually, most companies will OK value increases well above $20k if the show record is sufficient (or accomplishments/sale prices of foals, in the case of breeding horses). In this country, an...
  18. Whether you file a claim or not, any non-routine...

    Whether you file a claim or not, any non-routine vet treatment done on the horse must be disclosed on your application each year and will be subject to possible exclusion. To knowingly fail to...
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    It is unlikely you'll find an insurer to allow an...

    It is unlikely you'll find an insurer to allow an insured value greater than the recent purchase price, because mortality insurance is meant to indemnify your investment, which at this point is...
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    Thornhill is another brand to check out.

    Thornhill is another brand to check out.
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    I doubt any equine carrier would exclude only...

    I doubt any equine carrier would exclude only cutaneous melanomas. The condition is highly likely to reoccur externally and/or internally, and so the standard exclusion would be for melanoma, unless...
  22. She needed to complete two FEI Single Horse...

    She needed to complete two FEI Single Horse competitions and only did one. None of the pony events or accomplishments count. It's very unfortunate for her that she, the selectors, and the USEF...
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    It's not terribly important with respect to...

    It's not terribly important with respect to insurance if you liked the first vet who worked on the horse or not. Your insurance contract requires you to notify the claims office whenever non-routine...
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    The details revealed so far do not indicate what...

    The details revealed so far do not indicate what the seller's asking price was for the horse.
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    Training, prelim, and some intermediate dressage...

    Training, prelim, and some intermediate dressage in CDE's is done in a 40x80. Most intermediate and all advanced is done in a 40x100. You can check the Omnibus listings for events in your area to see...
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