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Looking for a good insurance company...

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  • Looking for a good insurance company...

    Any ideas? I am located in Ohio and am looking for a good insurance company to insure my boy through. Has anyone come across a really good insurance company? Or a really bad one I should veer away from?

  • #2
    There have been quite a few posts on here that you can search for that have people's experiences with insurance companies.

    I use Markel for my mare, but I can't tell you good or bad since I've never had to actually make a claim.


    • #3
      I highly recommend http://dietrich-insurance.com/ ; Shawna and her staff are wonderful. I know lots of people who use them and have met Shawna in person at Championships and she is a super nice lady. They use several different underwriters and can discuss policy options with you, but usually their first choice for most clients is Great American.


      • #4
        find an independent agent who can give you a variety of quotes. I currently get my insurance through QBE/Praetorian. Haven't had to make a claim, but it is one of the companies that offers a sublimit for colic surgery which is nice.


        • #5
          I use Broadstone and am insured through the Hartford. It has been excellent coverage for me.

          My friend Betsy Minton is with Dietrich and I can recommend them as well http://www.dietrich-insurance.com/default.asp?p=1
          OTTBs rule, but spots are good too!


          • #6
            Markel has very competitive rates but my claim took more than 6 months and a lot of duplication on the part of the folks at New Bolton and my vet until they paid and then it was for only 35% of the bill. After a few more weeks of phone calls and a nasty letters working my way up the food chain, they finally paid the full claim. I may be the exception to the rule but my experience was not good.

            When it came to renewal, I chose a local independent agent who gave me options. I've now been with Great American for a few years and can happily say I haven't had the need to file a claim although I do know a few folks who did and were very pleased with the turn around time.
            "Every little girl wants a pony so why should big girls be any different???"


            • #7
              Myself and both my mother and sister use Broadstone and have been nothing but happy with them.


              • #8
                Things I bear in mind are
                1) once the agent sells you the plan - they are basically out of it. I don't care who sells me the plan - as all they do is get me the paperwork and collect the premiums. If you make a claim - they are totally not involved - you talk to the claims department at the underwritor - not the agent who sold you the plan
                2) almost all plans have the same premium or pretty close to it. What you need to check is who is underwriting it, what is the reputation of their claims processors and claims processing time
                and finally
                3) what is covered! Check into colic sublimits, deductibles, copays on diagnostics (20% now with Markel and GA!!). Check also for ulcer coverage, stem cell, shockwave and IRAP coverage policies as well.

                I shopped around and got a plan underwritten by BritAmerican. Has normal premium, plan for colic, separate plan for medical, NO COPAY on diagnostics. Diagnostics include MRI/Xrays/Ultrasound/Nuc Scan etc. That can add up MAJORLY fast if you have a 20% copay.


                • #9
                  Hi there ~

                  We moved your thread here to Off Course since the topic isn't discipline-specific, and you might get some good input from folks outside of the Dressage forum.

                  Mod 1


                  • #10
                    I have had no problems with Great American.


                    • #11
                      Broadstone with The Hartford. They have been fantastic! My mare had colic surgery and they covered everything but the farm call from my vet. Faxed the paper work and had my check 4 days later! Of course she has maxed out her major/medical for the rest of the policy period so I'm now shopping for large quantities of bubble wrap! Lol!


                      • #12
                        My filly is insured through Broadstone. She's had insurance for less than a month, so I can't comment on claims, but it was very quick and easy to get the policy.
                        Against My Better Judgement: A blog about my new FLF OTTB
                        Do not buy a Volkswagen. I did and I regret it.
                        VW sucks.


                        • #13
                          Be careful on the type of policy you purchase. An insurance company could be justified in paying you less than your insurance policy's face value. This can happen if you bought an "actual cash value" mortality insurance policy. Policies of this type are designed to pay you the fair market value of your horse around the time of its death. By comparison, "agreed value" policies provide coverage for a specifically agreed-upon amount.

                          So, if you insure a horse for $10,000 and your policy is for actual cash value, you could be paying those premiums for several years, and if your horse dies and your insurance company determines that the horse isn't worth $10,000 at the time of it's death....you get whatever they decide the horse is actually worth.

                          Ask me how I know? I'm an Equine Appraiser and regularly work for private clients and/or insurance companies on Death Claim Reimbursements and see this problem all the time. (Not so much as a problem, but horse owners are devastated when they find out they won't be getting their 10K after all those years of premiums)

                          No matter what insurance company you go with, make sure you understand your policy inside and out.

                          Daventry Equine Appraisals
                          Home of Welsh Cob stallion Goldhills Brandysnap
                          Also home to Daventry Equine Appraisals & Equine Expert Witness


                          • #14
                            I have a friend who insured her horse for years (10-12); at age 17 he broke a leg and she filed her claim; after MONTHS of haggling w/ no resolution at all, she had her lawyer father get involved. Insurance company finally coughed up $$ and because of the delays and so on, she actually got more than if they had just paid mortality up front. Unfortunately I don't know what company it was, but my general sense of insurance companies is they do whatever they can to NOT pay. I have current horse insured for much less than purchase price, just for the medical coverage. If something awful happened, it would be nice to get some $$ back, but in another couple years I will stop insuring anyway as I just hate the concept, and dont need the aggravation.

                            I think any of the insurers will be quite cooperative when selling the policy; the true test comes when you have a claim...
                            We don't get less brave; we get a bigger sense of self-preservation........


                            • #15
                              That's good info to know Daventry, thanks!
                              I've used Hallmark for the past several years. They've been really good to deal with. I can't speak for the claims part though (fortunately).


                              • #16
                                Anyone have any experience with Champion Equine Insurance?


                                • #17
                                  Great American has been wonderful to me. Very easy to deal with, very fast at processing claims and issuing checks, and very empathetic when times are bad.


                                  • #18
                                    I've had EMO for 7 years on one horse, this last 12 months had claims for the first time last year for colic episodes and lameness. no surgery. I'd estimate the claims were less than 15% of what I have paid them over the years. Now they dropped my horse for medical and surgical and said they can only cover mortality. Disappointing to say the least. Won't be renewing. They love to take your money but they sure hate to pay you anything back.


                                    • #19
                                      I've had claims through Great American (policy purchased through Blue Bridle) and through Diamond State/AEIG (policy purchased through Hallmark.)

                                      Both paid without question. I found the level of customer service better through Great American.

                                      OP, keep in mind your options for underwriters gets quite limited if you're looking for more major medical coverage than mortality. You can also cross certain underwriters off the list if your horse is less than $10k in value, and you do have to substantiate the value.


                                      • #20
                                        C. Jarvis. Their rates are competitive and they are wonderful to work with. When my horse was colicking very early on a Sunday morning I called to let them know he would require surgery. They not only answered the phone in person but said in a very friendly voice "why are you calling us, don't worry about it, go take care of your horse".

                                        Unfortunately I did have to file a claim and it was a very easy process and I had the check within a couple of weeks.

                                        Highly recommended.