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Insurance for a hunter pony

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  • Insurance for a hunter pony

    I need to get insurance on my guy (mortality and major medical) and I have been shopping around and getting online quotes from a few companies. What company do you use to insure your hunter/jumper?

    Also, My guy is 14 going on 15 years old and has had hock injections. Should I expect to be turned down by some companies because of this?
    "To do something that you feel in your heart that's great, you need to make a lot of mistakes. Anything that is successful is a series of mistakes." -B.J. Armstrong

  • #2
    I use Equine Brokerage. I have always had great luck with claims, etc...

    Maureen Crawford
    Equine Brokerage, Ltd.
    P.O. Box 980
    Rye, NY 10580
    914-925-9000 phone
    914-925-9010 fax
    mcrawford@equine-brokerage.com
    www.cameronoaks.com

    Comment


    • #3
      EMO - Jonathan Rabon - Many companies will only give you mortality at a minimal amount once horses reach 16. Good luck! Also, try Broadstone Equine. Have had good luck with them. Not such good luck with Markel.

      Comment


      • #4
        I've had good luck with Hallmark. Hock injections should be considered maintenance, so I doubt it will affect you too much.

        Comment


        • #5
          EMO

          Definitely a good choice. I use Sue Bopp.


          http://www.rideemo.com/
          Randee Beckman ~Otteridge Farm, LLC (http://on.fb.me/1iJEqvR)~ Marketing Manager - The Clothes Horse & Jennifer Oliver Equine Insurance Specialist

          Comment


          • #6
            My horse is insured for major medical/mortality through Markel. They have a few different medical options and I highly recommend them!
            ************************
            "I can't help but wonder,what would Jimmy Buffett do?"

            https://falllinefarmblog.wordpress.com/

            Comment


            • #7
              Randy Levesque is the best ! He is at :

              Insurance services
              Middletown, RI
              401-835-9045

              Very hands on and easy to work with

              Comment


              • #8
                Originally posted by VirginiaBred View Post
                Definitely a good choice. I use Sue Bopp.


                http://www.rideemo.com/
                Another thumbs up

                they've been so nice and always take time to answer my questions. love them!
                Dear life, please send grapes. Sincerely, I prefer wine over lemonade.

                Comment


                • #9
                  I use Kay Cassell for all my hunter ponies: Kay Cassell Equine Insurance 1-800-230-8384 www.kaycassell.com. Her husband is a vet and she herself owns hunter ponies and other horses. Great to work with and very knowledgeable.
                  Quicksilver Farms, LLC
                  "Welsh Hunter Ponies"
                  Welsh Sec. B Stallions and
                  Fancy Show Pony Prospects
                  www.quicksilverponies.com

                  Comment


                  • #10
                    Be sure you go over with each company you talk to at what age they will drop which coverage. Some will drop only major medical at 16, some will drop both major medical and surgical- others will let you keep both until 18 or 19.

                    Comment


                    • #11
                      Be sure to distinguish between the AGENT (who you deal with when everything is OK) and the UNDERWRITER (who you deal with when you have a claim, and who determines what exclusions they will make).

                      MOST of the companies mentioned are agents, not underwriters.
                      Janet

                      chief feeder and mucker for Music, Spy, Belle and Tiara. Someone else is now feeding and mucking for Chief and Brain (both foxhunting now).

                      Comment


                      • #12
                        Some of the recommendations here are for agents-and I am sure they are nice and helpful BUT, they are not the insurance company that will cut a check for you...or turn you down. They are salespeople that get a commission when and if they sell a policy and an expeditor for any claim you submit (if they are good, some are not after they get the comission).

                        Not knocking them at all, many are quite caring and helpful in submitting a claim...but it's not up to them how and if a claim is paid.

                        You must know who the actual company is and believe only the information printed in your contract with the company, not what the agent says. ASK who the underwriter is. My barn uses Markel has and had good service including claims. Previous company was great for years....but when there was a major claim that ended with (pre approved) euthanasia on an expensive horse? Not so good. The agent was and still is a nice person but she did not deny that claim for 4 months, the underwriter did.

                        SO, know the UNDERWRITER and READ the contract. And, sorry, the old "Oh, sure, that's covered. No problem" from even the best agent is NOT the contract.

                        But you got a problem, not with the hock injections either. Getting MM on a 15 year old is going to be more expensive due to his age and they will drop you off that MM at age 16-18 depending on the underwriter. Many do offer a sort of "senior surgical" option after that, but it's usually a 5k lifetime cap and kind of expensive for what it is and pre approval is needed. That is gone at age 18 with most. You can still get mortality but not for a huge amount on the average horse...and, again, it costs more then for a youngters.
                        When opportunity knocks it's wearing overalls and looks like work.

                        The horse world. Two people. Three opinions.

                        Comment


                        • #13
                          There are tons of threads on here about equine insurance - I switched to Markel based on what I learned from some of the threads. Prior to that I was insured by Great American (The underwriter). There are only a few companies that actually underwrite equine insurance. My only beef w/ Great American is that when I elected to not renew and switched to Markel, I received a letter from an attorney/collection office claiming I owed some company $200. For the prior 6-8 months I heard ZIP from Great American and then bam - off to collections. It was mind boggling and the collection agency/lawyer's office were clueless. Telling me I had to have proof of other insurance etc. That is BS - what if I sold my horse? what if I elected NOT to insure him at all. So based on that experience w/ Great American I wouldn't be too keen on having them underwrite a policy for me - but as mentioned choices of underwriters is limited.

                          Another note - you have a 14/15 year old pony.. unless it's a fancy fancy show pony - you might be better off taking out just mortality

                          Comment


                          • #14
                            Originally posted by gottagrey View Post
                            when I elected to not renew and switched to Markel, I received a letter from an attorney/collection office claiming I owed some company $200. For the prior 6-8 months I heard ZIP from Great American and then bam - off to collections.
                            Sounds familiar. Actually was very happy with mine until the underwriter dropped all the equine products and agent switched me to another. After a friend had a terrible claim problem-and a dead horse-, I switched to another agent and underwriter.

                            Got that letter via regular mail and called a people and property agent friend of mine who advised it is a common tactic but, unless it comes via certified mail and there is a clause in the last contract you signed requiring automatic renewal? Unenforceable. But they can split it with the collection agency if you are dumb enough to pay it.

                            Just be careful and read and SAVE that contract you usually throw aside.
                            When opportunity knocks it's wearing overalls and looks like work.

                            The horse world. Two people. Three opinions.

                            Comment


                            • #15
                              We also switched to Makel when we purchased our new horse this year. Prior to that we had been wtih Great American and did not have any problems with them. We sold a horse and a pony a year ago and had already paid all premiums on th Great American policy and they promptly refunded my money after I told them the horses had been sold. We went with Markel this time as that is what our trainer uses.

                              Comment


                              • #16
                                Originally posted by VirginiaBred View Post
                                Definitely a good choice. I use Sue Bopp.


                                http://www.rideemo.com/

                                Another vote for EMO and Sue Bopp

                                Comment


                                • #17
                                  I've been using Great American for close to 20 years.

                                  Several (medical and surgical) claims.

                                  No complaints

                                  Once the horse turned 20 the rates and restrictions stopped making sense, but 16 -20 was fine (I think they dropped the medical and only offered surgical). Of course, it may be different for a horse they have been insuring since young compared to a "brand new" policy on an older horse.
                                  Janet

                                  chief feeder and mucker for Music, Spy, Belle and Tiara. Someone else is now feeding and mucking for Chief and Brain (both foxhunting now).

                                  Comment

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