Forum rules and no-advertising policy

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Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

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Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users' profiles for unsolicited advertising is not permitted.

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Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses -- Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it's related to a horse for sale, regardless of who's selling it, it doesn't belong in the discussion forums.

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Services -- Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products -- While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements -- Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be "bumped" excessively. Premium members may post their own notices in the Event Announcements forum.

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(Revised 5/9/18)
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Equine Insurance

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    Equine Insurance

    Can anyone tell me if there is value to having insurance on my horses? What are the types, costs and coverage? Does anyone have any experience good or bad with insurance? I have a 12 yo QH and a 7 yo OTTB that do not currently live on my property, but will eventually. Both are working up to being hunter/jumpers.

    I am a first time horse owner after riding for over 30 years and I just purchased mortality, medical assistance and surgical assistance for my 17 year old quarter horse. I'm basically covered up to $17,500 in medical bills for the next 12 months. Needless to say there are certain ailments and preexisting conditions that would not be covered but anything is better than nothing!


      Costs and coverages vary depending on the use and breed. The mortality premium is a percentage of your insured value and the percentage depends on you discipline and your horse's breed. Different companies offer different Med options, but most are pretty comparable I think. I never insured my horses until recently and for me it wasn't so much the cost to replace my horse if I lost him, but having the coverage to fix him! It is very comforting knowing I won't have to check my savings acct before I tell my vet to go ahead and treat him if the unfortunate situation arise. Try calling Hallmark Equine Insurance, their agents are very helpful and are real horse people so will understand your needs! They are fantastic!


        Originally posted by tbc1026 View Post
        I am a first time horse owner after riding for over 30 years and I just purchased mortality, medical assistance and surgical assistance for my 17 year old quarter horse. I'm basically covered up to $17,500 in medical bills for the next 12 months. Needless to say there are certain ailments and preexisting conditions that would not be covered but anything is better than nothing!
        I hope you don't mind me asking, but you must have paid a fortune to get this insurance on a 17 year old horse. Most companies don't insure a 17 year old (period) and certainly not for that much. Was this horse an expensive show horse to get that coverage (must have been ~ $40K+ for that mortality) and coverage at 17? Who is covering you and what are your yearly payments? Feel free to PM!
        Proud member of the Colbert Dressage Nation


          The value in insurance is in spreading the risk. You can either keep a healthy savings account for emergencies, or you can pay out a fraction of that every year along with a bunch of other people, and see who needs the payout.

          Equine insurance doesn't work like human health insurance though. If a vet so much as breathes on a body part, you'll have to disclose it on the renewal form, and they'll exclude it for the next year. After that you *may* get coverage back or you may not. Do this for a few years with an accident prone horse and you won't have many parts left!

          Beyond major medical and mortality, you'll also want to make sure you have enough liability coverage. (If they are at home you're more likely, but not guaranteed, to be covered by your homeowner's policy, especially if you also have an umbrella liability policy. If they are elsewhere that is less likely.)
          ... with Patrick and Henry


            Broadstone is a great agency to work with, and can give you a lot of information about the available coverages. The biggest benefits to insurance in my opinion are to cover expensive diagnostics for sporthorse injuries (MRI, bone scan, etc . . . ) and to cover colic surgery, so that you don't have to choose between a huge hospital bill or euthanization because of the cost. If you make a claim on something, odds are high it will be excluded the next year, but it is possible to push back on the scope of the exclusion if they are overzealous (and if your vet can help with the health form to clarify). Most forms require that you disclose anything that isn't considered routine care/treatment for renewal.


              I have the horses insured. Major medical and mortality. I don't have them insured for what they are actually worth, but enough to buy a baby of similar quality. I think my premium is around $400/horse/year, with a $500 deductible.

              I do not have my dog insured. Pet insurance seems outrageous to me. I just did a quick quote with Petplan, $75/month only gets me a $5000 annual payout, with a $500 deductible and 80% coverage.


                I have also had insurance through Broadstone, and made claims as well. They were always knowledgeable and excellent to work with!