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People Insurance Issue - WHAT??? (HR)

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  • People Insurance Issue - WHAT??? (HR)

    My insurance comes due about this time of year, and last year I found someone who is an insurance agent, so I called her to ask if we were staying with the same companies. Her response was yes, because they were not weird about the "horse issue."

    "Horse Issue?" WHAT?

    Seems many companies (including this one, Electric Insurance on the east coast) doesn't have actuarial data about big animals. So they are reluctant to insure you. Because Horses Are Dangerous.

    Apparently one gun is okay, but not one horse.

    In fact, one dog or one cat (which must equal one gun?) is okay...but two cats, two dogs, or one cat and one dog (and NO horses) are problematic.

    Even though I board..even though I have never claimed anything relating to my horse...even though I don't own a gun, so I can't offer that up in exchange...

    Has anyone else heard of this?
    www.specialhorses.org
    a 501(c)3 organization helping 501(c)3 equine rescues


  • #2
    Years ago I was told...

    If you were a farrier, your were rated the same as a BOMB DISPOSAL TECHNICIAN for insurance purposes. I don't think it's quite that bad today, but goes to show you what insurance scammers (I mean adjusters) think of horses....
    " iCOTH " window/bumper stickers. Wood Routed Stall and Farm Signs
    http://www.bluemooncustomsigns.com

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    • #3
      I believe that when we weren't looking, the insurance companies became the fourth branch of the government.
      www.TerriMiller.com
      Photos & Commissioned Paintings

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      • #4
        YEs, recently I tried to get insurance, one company called me and asked me some questions, later I got a letter stating that they would not insure me cause my profession was too dangerous! Another would insure me at EXORBITANT rates, three times what they originally were quoting! I still do not have health insurance! It is LUDICROUS. I am planning to go on my husbands coast guard (he is in the reserves) insurance in September when I am eligible. TO be insured thru his regular, state employees job insurance is again impossible to afford.
        www.shawneeacres.net

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        • #5
          Do you mean Health or Life Insurance?

          Never heard of that when filling out a Health Insurance form.. wow - more accidents occur in one's home.
          MnToBe Twinkle Star: "Twinkie"
          http://i236.photobucket.com/albums/f...wo/009_17A.jpg

          Proud member of the "Don't rush to kill wildlife" clique!

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          • #6
            What's this?

            About two dogs and two cats? Does that make a person a higher risk? Are you kidding me? Course my insurance person is so lazy, he wouldn't even come out to do a walk thru after I did a MAJOR renovation on my house. Just sort of whatever...they never even blinked when I told them of my 80 lb dog, now deceased. He was a barker, and coud be seen as menacing,[sp] [if you could get him to come out from behind the chair he would be barking furiously from!]
            Another killer of threads

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            • #7
              Originally posted by Huntertwo View Post
              Do you mean Health or Life Insurance?

              Never heard of that when filling out a Health Insurance form.. wow - more accidents occur in one's home.
              Health insurance
              www.shawneeacres.net

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              • #8
                I know they're weird abt pro horsemen. A number of years ago my horse broke a friend's nose while she was removing his fly mask (she reached over his head to do it which was the one thing that you could not do with Jive, and she'd been warned, but oh well). Her health insurance was via her husband's employer and they weren't going to pay it unless she got a note from me stating that the nose was broken while she was doing a favor for a friend rather than in her professional capacity as a horse trainer. I wrote the letter and she got reimbursed, but it made me worry about what would happen if she got hurt while acting as a trainer.
                The Evil Chem Prof

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                • #9
                  How would health insurance know or care about dogs or cats or horses, unless you're a professional in one of those fields, or file a claim for breaking your leg while tripping over your cat? Actually, I filed a claim for an exam, x-ray, and specialist followup on a sprained wrist from a riding fall, and to my knowledge the insurance didn't seem troubled one way or the other. However, I can imagine insurance a professional equestrian as an individual, rather than an amateur under a workplace group policy, might get rather expensive.

                  Now, my homeowner's policy did ask about pets, as they won't cover people with certain breeds of dogs, like pits.
                  A Year In the Saddle

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                  • #10
                    Huh....how do they know you have horses or pets? I'm in NC, insured through Celtic. They never asked about pets/hobbies. Just weight, height, smoke, exercise habits, health history.... They did ask about profession- you could become a "teacher".... of riding or be in "management".... of your barn.

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                    • #11
                      I'm an insurance agent in CA. None of our applications ask if you own or ride horses.

                      I have a HJ trainer as a client and she had no trouble getting health insurance.
                      www.oakhollowstable.blogspot.com

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                      • #12
                        I recently filled out health insurance forms for Connecticare and Anthem Blue Cross/Blue Shield. Neither remotely asked about pets, guns or hobbies.

                        It was strictly medical questions.
                        MnToBe Twinkle Star: "Twinkie"
                        http://i236.photobucket.com/albums/f...wo/009_17A.jpg

                        Proud member of the "Don't rush to kill wildlife" clique!

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                        • #13
                          They asked my profession, I told them I ran a barn, then thef I rode horses I said I taught riding and yes rode some horses but I did not "break" them as I no longer start young horses. My bad, should have said "nope I don't ever get on!!"
                          www.shawneeacres.net

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                          • #14
                            Originally posted by shawneeAcres View Post
                            They asked my profession, I told them I ran a barn, then thef I rode horses I said I taught riding and yes rode some horses but I did not "break" them as I no longer start young horses. My bad, should have said "nope I don't ever get on!!"
                            But then there was that huge stink about private health insurance companies canceling policies after major claims because they were making it a policy to go through the applications with a fine tooth comb and look for inconsistencies- AFTER the insured had been paying and needed the insurance.

                            I thought DGRH was talking about homeowner's insurance. Our HO insurance never asked if I owned a horse, and I have separate liability insurance for him. We also have a cat and two dogs, but neither dog is a "bad" breed

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                            • #15
                              As an insurance agent in TX, I am not surprised. I don't know about individual plans (which it sounds like you might have), but on a group plan the industry you work in absoluely affects the rates. And horses are dangerous (most of my injuries are horse-related!).

                              Sorry to hear that though, insurance can be a real beast, and that is coming from someone who makes a living because of it!
                              http://burpclothsandsaddlepads.blogspot.com/

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                              • #16
                                I was filling out an online application for renter's insurance recently. I had gotten all the way through the tough stuff (how far away IS that hydrant?) and had even gotten my quote. Then there were 2-3 more questions, one of which is whether I "own or board" horses or other livestock. I said yes.

                                Hit "enter", next screen said "sorry, we can't help you". HUH? This was renter's insurance, absolutely nothing to do with the horses. And those online rejections are so... final. I haven't pursued it yet via phone.

                                I wonder what they'd think of the two llamas, or the ten barn cats, or the four cats in my one room apartment. But they are insuring my possessions, not my mental health!
                                Shall I tell you what I find beautiful about you? You are at your very best when things are worst.
                                Starman

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                                • #17
                                  Originally posted by JoZ View Post
                                  But they are insuring my possessions, not my mental health!
                                  * <-- RR Certified Gold Star {) <-- RR Golden Croissant Award
                                  Training Tip of the Day: If you can’t beat your best competitor, buy his horse.
                                  NO! What was the question?

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                                  • #18
                                    The only thing I have ever gotten is "do you smoke?"

                                    from both health and HO
                                    I Loff My Quarter Horse & I love Fenway Bartholomule cliques

                                    Just somebody with a positive outlook on life...go ahead...hate me for that.

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                                    • #19
                                      Originally posted by JoZ View Post
                                      I was filling out an online application for renter's insurance recently. I had gotten all the way through the tough stuff (how far away IS that hydrant?) and had even gotten my quote. Then there were 2-3 more questions, one of which is whether I "own or board" horses or other livestock. I said yes.

                                      Hit "enter", next screen said "sorry, we can't help you". HUH? This was renter's insurance, absolutely nothing to do with the horses. And those online rejections are so... final. I haven't pursued it yet via phone.

                                      I wonder what they'd think of the two llamas, or the ten barn cats, or the four cats in my one room apartment. But they are insuring my possessions, not my mental health!
                                      That's hysterical!! Denying you renters insurance because you board a horse!

                                      Comment


                                      • #20
                                        I have State Farm HO and they never asked about pets. The agent knows we have dogs because he has been to the house.
                                        I discussed my horse with my agent. I board and wanted to know if my saddle would be covered if it was stolen from the barn. Yes it is.

                                        I also wanted to know what I could do to protect myself if horse got loose at show, boarding barn etc... and caused damage. Would State Farm cover that or should I get specific seperate coverage elsewhere. We just made some changes to my liability coverage and that would be covered.
                                        Oh, well, clearly you're not thoroughly indoctrinated to COTH yet, because finger pointing and drawing conclusions are the cornerstones of this great online community. (Tidy Rabbit)

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