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Major Medical Insurance...the less than $15k horse

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  • Major Medical Insurance...the less than $15k horse

    Are all insurance companies following along with Great American and their no Major Medical for horses valued under $15k. In a few months I will need to find an alternative. Any recommendations?

  • #2
    Most companies offer major medical for the sub-$15k horse. The catch is you can only get as much major medical coverage as you have mortality. So you have a $1500 horse? You get $1500 in major medical. Doesn't really seem worth it

    If you want MORE major medical than mortality, your options are limited. The Hartford is one, but there are some pretty severe limitations on what they cover.


    • #3
      Try Hallmark
      "I am still under the impression there is nothing alive quite so beautiful
      as a thoroughbred horse."



      • #4
        try horse insurance specialists in Pilot Pt TX.
        Teaching Horseback Riding Lessons: A Practical Training Manual for Instructors

        Stop Wasting Hay and Extend Consumption Time With Round Bale Hay Nets!!


        • #5
          Interesting... my insurance is through Equine Insurance Specialists and they said they no longer do a $7500 major medical, but would do a $10,000 one for about $275 more per year. Mare is insured for $12K mortality (though I would not expect insurance would pay out that much if she died.) She will turn 15 later this year so this is the last year she will be (easily) insured. We are going ahead with it.
          You have to have experiences to gain experience.

          1998 Morgan mare Mythic Feronia "More Valley Girl Than Girl Scout!"


          • #6
            Markel (formerly Agri-Risk) covers my horse for major medical and emergency colic surgery and he is valued far less than $15k. They haven't mentioned any changes, but then the policy isn't due for renewal yet either.


            • #7
              I have mortality & major medical for my 5000$ horse w/ Equisure

              The mortality is only b/c it was required for the medical. The medical payout max is well above her value. If I couldn't get the medical, I am not sure I would have bought the horse b.c I don't want to be in the position of having to treat her for something & not being able to afford it


              Their customer service was great. My agent was v. patient w/ me & all of my weird questions.


              • #8
                Is Equisure the Colorado agency that's using Lloyds of London as the underwriter? I remember that there is a Colorado agency using them, but can't quite recall if it's Equisure. Who is your underwriter, Hippolyta, if my memory is shaky (totally possible) and it's not Lloyds?


                • #9
                  Oh, nevermind. I contacted Equisure some time ago and they no longer offer more major medical than mortality. They will only payout the value of the horse (mortality limit) in major medical. Their underwriter is Chartis.


                  • #10
                    Originally posted by equinekingdom View Post
                    try horse insurance specialists in Pilot Pt TX.
                    Absolutely DO Not call Horse Insurance Specialists in Pilot Point. They neglected to submit a major medical claim for me until 33 days after the incident, and I was out of luck. No recourse.
                    They are an agency, not an undrewriter, so there is nothing than can do about Great American's new policy to only offer major medical for horses insured at $15k or more.


                    • #11
                      Originally posted by Simkie View Post
                      Oh, nevermind. I contacted Equisure some time ago and they no longer offer more major medical than mortality. They will only payout the value of the horse (mortality limit) in major medical. Their underwriter is Chartis.
                      Yes, just looked at paperwork & yes, underwriter is Chartis. Our policy was purchased in May. I guess I may have to look around for a replacement.


                      • #12
                        Originally posted by SaratogaTB View Post
                        Try Hallmark
                        Agree - call Hallmark. I have $10,000 worth of coverage and my mare isn't valued anywhere near that. They have different policies - the cheaper one only gives you coverage up to what they are valued at while for a little extra you can get the 10k coverage amount (i pay $550/year for the 10k).
                        "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


                        • #13
                          Just went through this with my horses and posted on this thread:


                          In the last post are the underwriters that I could buy from. AEIG does offer major medical in excess of your mortality rate, but it was fairly expensive.


                          • #14
                            Corinthian Insurance - Diamond State

                            I go through Corinthian Insurance (http://www.corinthianinsurance.com/) and have my policy with Diamond State. I have a $5000 mortality and $10,000 major medical policy. I used up every last bit of my $10,000 last year and they still renewed me this year, actually with a lower premium! Having a lower mortality amount kept my premium lower, as I really care about the major medical the most.
                            "And I saw heaven opened, and behold a white horse..." ~Revelation 19:11


                            • #15
                              None of mine is worth (in reality) more than $15k, so this year I've canceled all the horse insurance and am going self-insured. Within the last several years the exclusions, restrictions, deductibles and loopholes have made it less and less valuable anyway.
                              Click here before you buy.


                              • #16
                                I have Broadstone, who will insure for less than $15K. I can't remember who the underwriter is, though.


                                • #17
                                  This thread would be infinitely more helpful if those with insurance could post the following:

                                  Mortality insured amount
                                  Major medical insured amount
                                  Rough date of last renewal


                                  If major medical insured amount exceeds mortality insured amount
                                  Rough date of last renewal

                                  The only underwriter that I am aware of that will give you more MM than mortality is The Hartford. Broadstone is one of the many agencies that offer them. Broadstone also offers policies with Chartis, which does not provide more MM than mortality. When I spoke with Broadstone in October of last year, I was cautioned that The Hartford policy was considerably limiting in what they would actually pay--I believe it was only 50% of "big" diagnostics like MRI and bone scan, and only $1000 total payout for biologic treatments like IRAP and stem cell. There may be more limitations, but I lost interest when I heard the above and we did not go on.

                                  S1969, is AEIG an underwriter or an agency?

                                  It looks like Hallmark is offering Diamond State.


                                  • #18
                                    AEIG (American Equine Insurance Group) is the underwriting company, Diamond State & United National are the companies behind them that actually write the policies. Hallmark uses AEIG exclusively as their underwriting company, but AEIG works with many other brokers as well. They do offer three different limits of coverage, of which the higher of the two do not tie into the horse's insured value.

                                    Another agency you could call would be Kaplan, I believe they use several different companies and I got a quote from them for three different horses with values from $5,000 to $10,000 and they came back with a few different medical options that did not tie into the horse's value. I do not know what underwriting it was from though.
                                    Last edited by drawstraws; Feb. 21, 2013, 03:02 PM. Reason: adding information
                                    It's not about the color of the ribbon but the quality of the ride. Having said that, I'd like the blue one please!


                                    • #19
                                      Originally posted by drawstraws View Post
                                      Hallmark uses AEIG exclusively as their underwriting company, but AEIG works with many other brokers as well.

                                      The documentation on the Hallmark site shows very clearly that Diamond State is the underwriter and calls AEIG the administrator of the program.


                                      Perhaps we are not using the same terminology. In my posts:

                                      Agencies: Companies that facilitate the sale of insurance policies
                                      Underwriters: Companies that actually provide the insurance

                                      It sounds like you are saying AEIG is an agency that sells policies underwritten by Diamond State and United National. As far as I can tell, AEIG is not an underwriter and United National and Diamond State are one and the same.


                                      • #20
                                        AEIG is definitely an underwriter (determines if coverage will be accepted and handles issuing the policy documentation, etc.), while United National/Diamond State are the carriers (basically, the companies behind everything but does not have anything to do with the day-to-day processing of policies). The underwriters work through agents/brokers, who are the ones responsible for handling correspondence between the insured and the underwriter (AEIG does not work directly with the insured, while some other companies do).

                                        Here's Hallmark's front web page - http://www.hallmarkhorse.com/
                                        They note that all of their policies are underwritten by AEIG.
                                        Last edited by drawstraws; Feb. 21, 2013, 07:03 PM. Reason: adding info
                                        It's not about the color of the ribbon but the quality of the ride. Having said that, I'd like the blue one please!