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Best Major Medical and Mortality Company

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  • Best Major Medical and Mortality Company

    After all the issues I've had over the year, I've decided to insure my horses. Previously I hadn't because they weren't worth that much $$$, but I am realizing they're priceless to me... and so is their vet work! LOL.

    What companies are best for this? Not neccesarily cheapest, but the best to deal with with the best coverage. I'd be looking for Major Medical and Mortality, and potentially Liability as well. From what I've heard, I don't think I am interested in Loss Of Use.

  • #2
    I have American Livestock. I intended to renew with Great American, but did not because of their new 30% co-pay on diagnostics.

    I use an agent (Cunningham and Cunningham), who in turn contracts with several different companies- so she went over the different options available from a few companies before we picked American Livestock.


    • #3
      So far I am happy with Broadstone, but I haven't had a claim (knock on wood). Maybe someone who has can chime in?
      DIY Journey of Remodeling the Farmette: http://weownblackacre.blogspot.com/


      • #4
        I have GA and on all but 1, I got ride of the MM and just kept the surgical option. I've never had a claim, and now with the 30% thing, I really think I'm better off putting that money in the bank in case something happens. I think the main reason I'd need it is for something catastrophic that would require surgery. Dropping the premium from $375/yr (per horse) for full MM to $150/yr for the surgical.


        • #5
          Originally posted by BelladonnaLily View Post
          . Dropping the premium from $375/yr (per horse) for full MM to $150/yr for the surgical.
          Only $375 for MM and Surgical?! That's a lot less than I was expecting/seem to have it in my head what horse insurance costs! I pay about $300 a year for a dog and $180 for a rabbit (both of which have paid themselves off, fortunately/unfortunately) so I was thinking a horse would be upwards of $500+.....but that seems really reasonable, considering how much a simple lameness workup can cost!


          • #6
            I use Hallmark, and have for years. Love them! Very fair in what they pay for, excellent agents when you have a claim, pay in a timely manner. I have had 2 major medical claims, and a mortality claim with them over the years and they have always been fantastic. I pay just over $500 a year but my horse is insured for $12K and I event at a higher level so the rate is higher. I also have the higher major medical limit.


            • #7
              Another vote for Hallmark .


              I used to have Markel but wasn't happy at all w/ their so-called customer service .
              "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


              • Original Poster

                Thanks for the help guys, keep it coming! I just contact Hallmark to get a quote but I am definitely going to keep shopping around!


                • #9

                  They're wonderful. Just wonderful. Can't recommend them highly enough.
                  In loving memory of Laura Jahnke.
                  A life lived by example, done too soon.


                  • #10
                    I use Broadstone - have had several large claims - never had any issues. Love them.
                    Hickstead 1996-2011 Godspeed
                    " Hickstead is simply the best and He lives forever in our hearts"
                    Akasha 1992-2012 - I will always love you sweet girl.


                    • #11
                      Another vote for Hallmark, had a large claim, absolutely no issues. Always someone in the office to answer the phone.
                      "I swear it happened just like this" - Leonard Cohen


                      • Original Poster

                        Also do all companies require you to pay first and then submit the receipt? Or are there some that will pay directly to the doctor or hospital?


                        • #13
                          And another vote for Hallmark. I have a couple of horses insured with them and I use them for my farm insurance as well. They've always been really good to deal with.


                          • #14
                            Originally posted by magicteetango View Post
                            Also do all companies require you to pay first and then submit the receipt? Or are there some that will pay directly to the doctor or hospital?
                            Broadstone will pay directly to the vet if thats what you want.
                            Hickstead 1996-2011 Godspeed
                            " Hickstead is simply the best and He lives forever in our hearts"
                            Akasha 1992-2012 - I will always love you sweet girl.


                            • #15
                              Had some issues in the past dealing with Markel. Not worth the hassle.
                              Have had good service with Great American.


                              • #16
                                There is no "best" insurance carrier. I think that every one of them has the wherewithal to pay claims, so it's really a matter of preference in policy language and service.

                                A number of the recommendations listed her are NOT insurance carriers, but rather insurance brokers. I'd recommend going with a broker if you are new to insurance. The broker can help you determine what features matter to you and shop several carriers for you.
                                Where Fjeral Norwegian Fjords Rule