Sport Horse Spotlight

Real Estate Spotlight


Sale Spotlight

  • Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.



Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You�re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the Forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it�details of personal disputes may be better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts, though are not legally obligated to do so, regardless of content.

Users have the ability to modify or delete their own messages after posting. Moderators generally will not delete posts, threads or accounts unless they have been alerted and have determined that a post, thread or user has violated the Forums� policies. Moderators do not regularly independently monitor the Forums for such violations.

Profanity, outright vulgarity, blatant personal insults or otherwise inappropriate statements will not be tolerated and will be dealt with at the discretion of the moderators.

Users may provide their positive or negative experiences with or opinions of companies, products, individuals, etc.; however, accounts involving allegations of criminal behavior against named individuals or companies MUST be first-hand accounts and may NOT be made anonymously.

If a situation has been reported upon by a reputable news source or addressed by law enforcement or the legal system it is open for discussion, but if an individual wants to make their own claims of criminal behavior against a named party in the course of that discussion, they too must identify themselves by first and last name and the account must be first-person.

Criminal allegations that do not satisfy these requirements, when brought to our attention, may be removed pending satisfaction of these criteria, and we reserve the right to err on the side of caution when making these determinations.

Credible threats of suicide will be reported to the police along with identifying user information at our disposal, in addition to referring the user to suicide helpline resources such as 1-800-SUICIDE or 1-800-273-TALK.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it�s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
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.

4. No advertising in the discussion forums.
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.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

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.

Stallions � Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

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.

Charities/Rescues � Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators� discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the �alert� button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your �Ignore� list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you�d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user�s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 5/9/18)
See more
See less

Is it possible to find colic insurance for a horse that recently coliced?

  • Filter
  • Time
  • Show
Clear All
new posts

  • Is it possible to find colic insurance for a horse that recently coliced?

    Hello all, yes I know I should've planned ahead and purchased colic insurance before this became an issue. But I didn't and 2 weeks ago my mare coliced and spent 36 hours at the local vet hospital. She recovered without needing surgical intervention thank god but now I'm terrified it's going to happen again. Until this episode she had never coliced in the 2 years I've had her and she just turned 4. Not an excuse, I know. I'm already beating myself up about it.

    Any how, I'm trying to get something in place to help out if this does happen again and if she needs surgery but as you can imagine, no insurance company that I've reached out to will even touch us for at least 12 months. Smart Pak and platinum won't enroll her in their colic programs either, and I'm still waiting to hear back from succeed. Does anyone have any ideas?

  • #2
    I absolutely feel you here.

    My 10 year old had a severe colic episode that resulted into surgery about 4 months into buying her. She had 20 medium sized stones along her gut, likely been developing in there since she was a yearling. No one could have guessed without xrays as she was operating totally fine. Her poop had likely been dodging around them but they were too big to pass, and one day she didn’t drink enough water and she impacted, with all the stones bunching up one side of her intestine and causing a total blockage. She almost lost her life and about 12k later I had my horse back. One thing that massively helped was that right when I bought her I insured her for mortality insurance through Hallmark, which included 3k in colic surgery coverage. I’ve never been more grateful for coverage even if I still had to pay most of it.

    I recently got called to renew my insurance policy and also was told I can’t get her covered with colic insurance for one year like your situation. It’s unlikely any insurance company will let you insure again right away, but thankfully your horse is young and you’ll just have to watch them like a hawk for the next year until you can insure again. Check poop daily, monitor water intake and if ever their stool looks even a little harder than normal, toss some mineral oil in their feed that night. I’m in the same boat as you, and unfortunately I don’t know a way around this.


    • Original Poster

      Originally posted by RockyMountainMare View Post
      I absolutely feel you here.
      Thanks, yea it’s tough. The hard part is that neither the vets at CSU or my vet have any ideas as to what caused it. They believe it was an enteritis case but anterior enteritis is really rare in my area.


      • #4
        Every insurer has different rules, but generally will allow some form of colic coverage back after a period of time has passed. My horse had two colic surgeries back to back, and my insurer said because he had no resection, if he was okay in two years he could be covered again. It has been four years now.


        • #5
          In the mean time, start putting the $$ away that you would spend on a premium into a savings account in the event that she colics again.

          I'm with you, colic is scary.

          My mare had 2 colic surgeries within 36 hours (I feel like I own a stall at Littleton Large Animal ) and lived another 15+ years. Nasty colics are survivable.

          When you start to observe, you become more effective... your movements soften, you see more, you are more available to becoming a team member. Be an Observer first, a Handler second.


          • #6
            Sorry to hear of your troubles! I'm glad surgery wasn't necessary.

            Insurers will generally exclude any body part that a veterinarian has so much as breathed upon in the last 12 months. So if the horse was just treated for colic, that will most likely be excluded.

            If you are trying to protect against large unexpected expenses (and don't want to self-insure by saving up an emergency fund) then your best bet is probably to go ahead with the insurance _now_ even with the exclusion. Because what if the horse bangs an eye on the stall door edge and you're right back at the clinic next month?

            Then next year at renewal time, you will be a year + past the colic incident and you should be able to get them to drop the exclusion.

            ... with Patrick and Henry


            • #7
              My horse had colic surgery, after which my insurance company naturally had an exclusion for colic. Six months later he had another episode and I brought him to the clinic to be safe. Had he not gone to the clinic, the exclusion would have been removed one year later. Instead I had to begin the year from the time of the second incident. And true to their word, a year after that second scare, colic coverage was reinstated. That was several years ago and fortunately there have been no further incidents.


              • #8
                Stick the premium payments in a savings account for now. You'll be able to get insurance once she is 12 months colic-free.


                • #9
                  Yeah, there's no way you can get colic coverage right now. Insurers see your horse as a walking liability. Some might agree to take you after a year or two without incident, but I expect your premium will be quite high, since the horse is still a known risk. Unfortunately, one severe colic episode does tend to make horses more prone to having trouble in the future.

                  I'm glad your horse is okay, remains healthy, and good luck to you!


                  • #10
                    Shop around - I found there are a few companies who will exclude for a medical colic (not surgical) for only 3 or 6 months rather than a year. I'm with the Allen Financial Insurance Group/The Equestrian Group, which was one with a shorter exclusion period.


                    • #11
                      I doubt you ever will be able to insure for colic again. I feel your pain, I took my horse in for a scope and was found to have pyloric & hindgut ulcers, as a result I lost colic coverage on him. I am rather upset about this, because a) he never ever colicked!!! and b) he's still so young, but after calling a number of agents, seems once excluded for colic, it's same or even other underwriters will be willing to insure him again.
                      I discussed this with my vet and he had had another case were the horse had scoped positive for pyloric ulcers and lost colic coverage


                      • #12
                        Originally posted by Lieslot View Post
                        I doubt you ever will be able to insure for colic again. I feel your pain, I took my horse in for a scope and was found to have pyloric & hindgut ulcers, as a result I lost colic coverage on him. I am rather upset about this, because a) he never ever colicked!!! and b) he's still so young, but after calling a number of agents, seems once excluded for colic, it's same or even other underwriters will be willing to insure him again.
                        I discussed this with my vet and he had had another case were the horse had scoped positive for pyloric ulcers and lost colic coverage
                        I was told I could get my colic exclusion removed if the horse had a clean scope, and then stayed ulcer and colic free for 12 months post-scope. Unfortunately, I never got to test it because the horse did not remain symptom free.