• Welcome to the Chronicle Forums.
    Please complete your profile. The forums and the rest of www.chronofhorse.com has single sign-in, so your log in information for one will automatically work for the other. Disclaimer: The opinions expressed here are the views of the individual and do not necessarily reflect the views and opinions of The Chronicle of the Horse.



Forum rules and no-advertising policy

As a participant on this forum, it is your responsibility to know and follow our rules. Please read this message in its entirety.

Board Rules

1. You’re responsible for what you say.
As outlined in Section 230 of the Communications Decency Act, The Chronicle of the Horse and its affiliates, as well Jelsoft Enterprises Ltd., the developers of vBulletin, are not legally responsible for statements made in the forums.

This is a public forum viewed by a wide spectrum of people, so please be mindful of what you say and who might be reading it—details of personal disputes are likely better handled privately. While posters are legally responsible for their statements, the moderators may in their discretion remove or edit posts that violate these rules. Users have the ability to modify or delete their own messages after posting, but administrators generally will not delete posts, threads or accounts upon request.

Outright inflammatory, vulgar, harassing, malicious or otherwise inappropriate statements and criminal charges unsubstantiated by a reputable news source or legal documentation will not be tolerated and will be dealt with at the discretion of the moderators.

2. Conversations in horse-related forums should be horse-related.
The forums are a wonderful source of information and support for members of the horse community. While it’s understandably tempting to share information or search for input on other topics upon which members might have a similar level of knowledge, members must maintain the focus on horses.

3. Keep conversations productive, on topic and civil.
Discussion and disagreement are inevitable and encouraged; personal insults, diatribes and sniping comments are unproductive and unacceptable. Whether a subject is light-hearted or serious, keep posts focused on the current topic and of general interest to other participants of that thread. Utilize the private message feature or personal email where appropriate to address side topics or personal issues not related to the topic at large.

4. No advertising in the discussion forums.
Posts in the discussion forums directly or indirectly advertising horses, jobs, items or services for sale or wanted will be removed at the discretion of the moderators. Use of the private messaging feature or email addresses obtained through users’ profiles for unsolicited advertising is not permitted.

Company representatives may participate in discussions and answer questions about their products or services, or suggest their products on recent threads if they fulfill the criteria of a query. False "testimonials" provided by company affiliates posing as general consumers are not appropriate, and self-promotion of sales, ad campaigns, etc. through the discussion forums is not allowed.

Paid advertising is available on our classifieds site and through the purchase of banner ads. The tightly monitored Giveaways forum permits free listings of genuinely free horses and items available or wanted (on a limited basis). Items offered for trade are not allowed.

Advertising Policy Specifics
When in doubt of whether something you want to post constitutes advertising, please contact a moderator privately in advance for further clarification. Refer to the following points for general guidelines:

Horses – Only general discussion about the buying, leasing, selling and pricing of horses is permitted. If the post contains, or links to, the type of specific information typically found in a sales or wanted ad, and it’s related to a horse for sale, regardless of who’s selling it, it doesn’t belong in the discussion forums.

Stallions – Board members may ask for suggestions on breeding stallion recommendations. Stallion owners may reply to such queries by suggesting their own stallions, only if their horse fits the specific criteria of the original poster. Excessive promotion of a stallion by its owner or related parties is not permitted and will be addressed at the discretion of the moderators.

Services – Members may use the forums to ask for general recommendations of trainers, barns, shippers, farriers, etc., and other members may answer those requests by suggesting themselves or their company, if their services fulfill the specific criteria of the original post. Members may not solicit other members for business if it is not in response to a direct, genuine query.

Products – While members may ask for general opinions and suggestions on equipment, trailers, trucks, etc., they may not list the specific attributes for which they are in the market, as such posts serve as wanted ads.

Event Announcements – Members may post one notification of an upcoming event that may be of interest to fellow members, if the original poster does not benefit financially from the event. Such threads may not be “bumped” excessively. Premium members may post their own notices in the Event Announcements forum.

Charities/Rescues – Announcements for charitable or fundraising events can only be made for 501(c)(3) tax-exempt organizations. Special exceptions may be made, at the moderators’ discretion and direction, for board-related events or fundraising activities in extraordinary circumstances.

Occasional posts regarding horses available for adoption through IRS-registered horse rescue or placement programs are permitted in the appropriate forums, but these threads may be limited at the discretion of the moderators. Individuals may not advertise or make announcements for horses in need of rescue, placement or adoption unless the horse is available through a recognized rescue or placement agency or government-run entity or the thread fits the criteria for and is located in the Giveaways forum.

5. Do not post copyrighted photographs unless you have purchased that photo and have permission to do so.

6. Respect other members.
As members are often passionate about their beliefs and intentions can easily be misinterpreted in this type of environment, try to explore or resolve the inevitable disagreements that arise in the course of threads calmly and rationally.

If you see a post that you feel violates the rules of the board, please click the “alert” button (exclamation point inside of a triangle) in the bottom left corner of the post, which will alert ONLY the moderators to the post in question. They will then take whatever action, or no action, as deemed appropriate for the situation at their discretion. Do not air grievances regarding other posters or the moderators in the discussion forums.

Please be advised that adding another user to your “Ignore” list via your User Control Panel can be a useful tactic, which blocks posts and private messages by members whose commentary you’d rather avoid reading.

7. We have the right to reproduce statements made in the forums.
The Chronicle of the Horse may copy, quote, link to or otherwise reproduce posts, or portions of posts, in print or online for advertising or editorial purposes, if attributed to their original authors, and by posting in this forum, you hereby grant to The Chronicle of the Horse a perpetual, non-exclusive license under copyright and other rights, to do so.

8. We reserve the right to enforce and amend the rules.
The moderators may delete, edit, move or close any post or thread at any time, or refrain from doing any of the foregoing, in their discretion, and may suspend or revoke a user’s membership privileges at any time to maintain adherence to the rules and the general spirit of the forum. These rules may be amended at any time to address the current needs of the board.

Please see our full Terms of Service and Privacy Policy for more information.

Thanks for being a part of the COTH forums!

(Revised 1/26/16)
See more
See less

What if you don't contact Insurance Company as soon as a horse is unsound???

  • Filter
  • Time
  • Show
Clear All
new posts

  • What if you don't contact Insurance Company as soon as a horse is unsound???

    How strict are Insurance Companies about reporting a lameness. A friend of mine is having a nervous breakdown because she has had her vet out 4 or 5 times for what she thought was a bad abscess and it turns out there may be something serious. She never reported it. If the horse now has a surgical problem, will there be a problem? She has followed the vet's instructions all along.

  • #2
    It depends.

    I had no trouble opening a claim with GAIG back in 2010 when my mare was hurt, even though she'd been unsound for a few weeks. I didn't open it until I was sure I'd be over my $750 deductible; the vet filled them in on what he'd done to date (lameness evaluation, Lyme titer, treatment for Lyme, second lameness evaluation, ultrasound after the Lyme treatment took care of 3 of her 4 legs.) The ultrasound, which happened about 7 weeks after the initial lameness exam, was what pushed it over, and I opened the claim and he called them the day after he did it. I then had 6 months coverage, back-dated to the first lameness exam. They ended up paying out about $6000 for surgery, drugs, further evaluations and ultrasounds. This was not the total balance less deductible, as she needed treatment beyond 6 months, but it was very helpful to have those checks...

    HOWEVER -- please note that most insurance companies are dropping major medical coverage for horses valued under $15K, on the day the current policy expires, so if the policy is coming up for renewal soon she should open a claim now.
    You have to have experiences to gain experience.

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


    • #3
      Originally posted by quietann View Post
      HOWEVER -- please note that most insurance companies are dropping major medical coverage for horses valued under $15K, on the day the current policy expires, so if the policy is coming up for renewal soon she should open a claim now.
      Yes, this is true.

      I have always opened a claim ASAP so I can't speak to your friend but I suggest calling right away. My insurance company is very understanding if nothing develops from a claim. Happens all the time.


      • #4
        I had a similar issue this summer. Horse had some swelling in her leg, and a minor case of scratches, which we assumed were related, had vet out to drop off SMZs and some panalog, and debride scratches, barely more than the cost of farm call, didn't bother calling Insurance, because no biggie.

        A week later, the SMZs hadn't done anything, and there was a weird LUMP in the middle of the leg. Ended up having to xray, ultrasound, drain, culture, etc. I didn't call the Insurance (Great American) until the LUMP showed up, and explained that it initially didn't look like a big deal and how things had progressed, and didn't have any problems getting compensated. I've actually always had really good experiences with getting compensated from them, it's a shame that the coverage policy is changing, though from a financial standpoint, I understand where they're coming from.

        But I'd call ASAP now that you realize it is a problem.
        A Year In the Saddle


        • #5
          A "good faith misunderstanding" of a reporting requirement won't generally have any effect on coverage unless the failure materially alters the company's risk. That's a question of fact in each case.

          But if there has been a delay caused by misunderstanding then notice should be given ASAP. Nothing comes from failure to give notice and bad things can happen if the delay becomes unreasonable.

          Tell you friend to pick up the phone and comply with the policy terms and conditions.

          Mangalarga Marchador: Uma Raça, Uma Paixão


          • #6
            A friend of mine had a similar issue - initially the injury didn't look serious, but after several weeks of treatment with no improvement, friend took the horse to the clinic for a 2nd opinion. Horse ended up needing surgery but the insurance company paid.

            I called my insurance company when my mare had WNV, a tendon tear, and a very mild case of colic, but never had to file a claim as all she needed was TLC for full recovery. For minor stuff, if the vet came out to treat, I do let them know at renewal time - ie, an abcess, an injury that needed stitches (but not in a critical area), etc.

            Your friend should make sure she has copies of all the vet reports to date for this injury ready to send to the insurance company as they may want that when she tells them waht is going on


            • #7
              With the company I use for my horses, invoices from treatment more than 90 days prior are not covered and all claims need to be reported prior to the policy expiration date. Definitely tell her to call and get it on record. If it really turns into nothing, it won't hurt anything and if the horse really does require more treatment, it's best to get the claim set up ASAP.
              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!