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Major Medical gone WAY up?

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  • Major Medical gone WAY up?

    I got my insurance bill and I have major medical on 3 of the horses. I think last year I paid 250 per horse for the major medical, this year 375 per horse.

    Anyone else?
    Stoneybrook Farm Afton TN

  • #2
    Is it the same coverage? I know at least one company totally re-structured their medical policies this year. If the limit/deductible combination you had was eliminated, your agent may have bumped you up to the next option.


    • #3

      I recently renewed my insurance with Broadstone (mortality and major medical) and my premiums were the same as last year. Maybe your coverages have changed for some reason?


      • #4
        Note to self... while you watch

        I know!

        How do I know/saw it coming?

        Because of the threads here on diagnostics go: "So we blocked, then X-rayed. Results were inconclusive so we did a bone scan. We did do an ultrasound, and we'll recheck with that in 6 weeks. A couple of MRIs were thrown in.... because, hey, the horse is insured."

        The ones on treatment go: "(standard steroid-n-stuff) joint injections. Then IRAP and Shockwave. PRP and Tildren might work too (for various things).... and do it during this insurance year before the offending joint becomes uninsurable."

        I can see the meter running as I read these, can you?

        For diagnostic stuff, I do think it would be a good idea to have owners pay a percentage of what they decide to do. If you don't practice some restraint with diagnosis, the actuarial people will impose that for you.
        The armchair saddler
        Politically Pro-Cat


        • #5
          Great American, by any chance? I had a similar "surprise" earlier this year. We decided to basically self-insure a couple of mine (drop the insurance and then apply the premiums toward what we will cover ourselves if needed). I've had my horses insured for a number of years, so I kind of had an idea of what some claims have been and could compare it with the new coverage, which includes a lot of cost sharing of diagnostics and treatment. Based on that, I decided to only keep the two youngest and competitive horses insured.


          • #6
            I dropped my insurance, too. Perhaps if my agent had called first, I wouldm
            have had a discussion and perhaps found an alternative. Since they only called after I didn't re-up, I thought I made the right decision.

            I decided to self insure, too. The mortality wasn't a big draw. I just didn't want to have to count dollars if the question was surgery or euthanasia.
            You will not rise to the occasion, you will default to your level of training.


            • #7
              My company switched underwriters and my bill went up A LOT.

              I might shop around now if anyone has recommendations. If not, I will stick with the same company for the next year.


              • #8
                Originally posted by Phaxxton View Post
                My company switched underwriters and my bill went up A LOT.

                I might shop around now if anyone has recommendations. If not, I will stick with the same company for the next year.
                I have been very happy with my policy with Broadstone, which is underwritten by American Home Assurance Company. I am going on my fourth year with them and my premiums have not changed. Of course, I have yet to file a claim. I did a LOT of research before renewing this year, not because I was unhappy, just to see what else was out there. I stayed with Broadstone because I felt I was getting the most bang for my buck with them. Also, they were very willing to work with me when I wanted to do a payment plan rather than pay the entire premium at once. I would highly recommend them.


                • #9
                  Originally posted by horsepoor View Post
                  Great American, by any chance? I had a similar "surprise" earlier this year.
                  Same thing here.
                  "Whether you think you can or think you can't, you are right." -Henry Ford


                  • #10
                    I have Great American and my premium did not go up this year.


                    • #11
                      I have Great American and my premium did not go up this year (I just renewed).