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  1. #1
    Join Date
    Jun. 24, 2006
    Posts
    1,910

    Default Best Major Medical and Mortality Company

    After all the issues I've had over the year, I've decided to insure my horses. Previously I hadn't because they weren't worth that much $$$, but I am realizing they're priceless to me... and so is their vet work! LOL.

    What companies are best for this? Not neccesarily cheapest, but the best to deal with with the best coverage. I'd be looking for Major Medical and Mortality, and potentially Liability as well. From what I've heard, I don't think I am interested in Loss Of Use.



  2. #2
    Join Date
    Jun. 12, 2007
    Location
    Westchester County, NY
    Posts
    5,743

    Default

    I have American Livestock. I intended to renew with Great American, but did not because of their new 30% co-pay on diagnostics.

    I use an agent (Cunningham and Cunningham), who in turn contracts with several different companies- so she went over the different options available from a few companies before we picked American Livestock.



  3. #3
    Join Date
    Feb. 9, 2005
    Location
    Upper Midwest
    Posts
    5,658

    Default

    So far I am happy with Broadstone, but I haven't had a claim (knock on wood). Maybe someone who has can chime in?
    Siouxland Sporthorses: http://slsfarm.blogspot.com/

    DIY Journey of Remodeling the Farmette: http://weownblackacre.blogspot.com/



  4. #4
    Join Date
    Jan. 15, 2003
    Location
    Virginia
    Posts
    5,034

    Default

    I have GA and on all but 1, I got ride of the MM and just kept the surgical option. I've never had a claim, and now with the 30% thing, I really think I'm better off putting that money in the bank in case something happens. I think the main reason I'd need it is for something catastrophic that would require surgery. Dropping the premium from $375/yr (per horse) for full MM to $150/yr for the surgical.



  5. #5
    Join Date
    Dec. 12, 2004
    Location
    Massachusetts
    Posts
    6,316

    Default

    Quote Originally Posted by BelladonnaLily View Post
    . Dropping the premium from $375/yr (per horse) for full MM to $150/yr for the surgical.
    Only $375 for MM and Surgical?! That's a lot less than I was expecting/seem to have it in my head what horse insurance costs! I pay about $300 a year for a dog and $180 for a rabbit (both of which have paid themselves off, fortunately/unfortunately) so I was thinking a horse would be upwards of $500+.....but that seems really reasonable, considering how much a simple lameness workup can cost!



  6. #6
    Join Date
    Jul. 13, 2006
    Posts
    2,445

    Default

    I use Hallmark, and have for years. Love them! Very fair in what they pay for, excellent agents when you have a claim, pay in a timely manner. I have had 2 major medical claims, and a mortality claim with them over the years and they have always been fantastic. I pay just over $500 a year but my horse is insured for $12K and I event at a higher level so the rate is higher. I also have the higher major medical limit.



  7. #7
    Join Date
    Jul. 24, 2004
    Posts
    2,631

    Default

    Another vote for Hallmark .

    http://www.hallmarkhorse.com/

    I used to have Markel but wasn't happy at all w/ their so-called customer service .
    "When a horse greets you with a nicker & regards you with a large & liquid eye, the question of where you want to be & what you want to do has been answered." CANTER New England



  8. #8
    Join Date
    Jun. 24, 2006
    Posts
    1,910

    Default

    Thanks for the help guys, keep it coming! I just contact Hallmark to get a quote but I am definitely going to keep shopping around!



  9. #9
    Join Date
    Oct. 31, 2001
    Location
    West of insanity, east of apathy, deep in the heart of Texas.
    Posts
    15,792

    Default

    www.rideEMO.com

    They're wonderful. Just wonderful. Can't recommend them highly enough.
    In loving memory of Laura Jahnke.
    A life lived by example, done too soon.
    www.caringbridge.org/page/laurajahnke/



  10. #10
    Join Date
    Dec. 11, 2005
    Location
    Castle Rock, CO
    Posts
    2,818

    Default

    I use Broadstone - have had several large claims - never had any issues. Love them.



  11. #11
    Join Date
    Oct. 10, 2007
    Posts
    374

    Default

    Another vote for Hallmark, had a large claim, absolutely no issues. Always someone in the office to answer the phone.
    Only part of me worries...the other part doesn't believe in it.
    Wings of Desire



  12. #12
    Join Date
    Jun. 24, 2006
    Posts
    1,910

    Default

    Also do all companies require you to pay first and then submit the receipt? Or are there some that will pay directly to the doctor or hospital?



  13. #13
    Join Date
    Dec. 13, 2005
    Location
    New England
    Posts
    1,374

    Default

    And another vote for Hallmark. I have a couple of horses insured with them and I use them for my farm insurance as well. They've always been really good to deal with.



  14. #14
    Join Date
    Dec. 11, 2005
    Location
    Castle Rock, CO
    Posts
    2,818

    Default

    Quote Originally Posted by magicteetango View Post
    Also do all companies require you to pay first and then submit the receipt? Or are there some that will pay directly to the doctor or hospital?
    Broadstone will pay directly to the vet if thats what you want.



  15. #15
    Join Date
    Jun. 8, 2003
    Posts
    153

    Default

    Had some issues in the past dealing with Markel. Not worth the hassle.
    Have had good service with Great American.



  16. #16
    Join Date
    Aug. 17, 2004
    Location
    Rixeyville, VA
    Posts
    6,470

    Default

    There is no "best" insurance carrier. I think that every one of them has the wherewithal to pay claims, so it's really a matter of preference in policy language and service.

    A number of the recommendations listed her are NOT insurance carriers, but rather insurance brokers. I'd recommend going with a broker if you are new to insurance. The broker can help you determine what features matter to you and shop several carriers for you.
    Where Norwegian Fjords Rule
    http://www.ironwood-farm.com



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