ebarrelracing.com forum

General Category => General Discussion => Topic started by: playindueces on February 25, 2005, 05:06:42 PM

Title: Horse insurance
Post by: playindueces on February 25, 2005, 05:06:42 PM

Who do you use to insure your horses?  Why did you choose that insurance company?  I am looking for the best deal on horse insurance and would love you guys input!!!!!  Thanks a bunch.

Title: Re: Horse insurance
Post by: Jess00 on February 28, 2005, 08:57:13 AM

I use Justin insurance and chose them because of the rate and the amount covered.  I have 2 horses insured ($22000 and $6600) and it costs me a little over $1500 a year.

Title: Re: Horse insurance
Post by: Julie on February 28, 2005, 09:45:04 AM

I choose Wilkins...their rate was 3.25 and their MM was only $210 a year.  Plus, they will pay for injections as long as it's not maintenance.  Injections ate my lunch last year on my horse that was injured and my previous company did not cover them.

Title: Re: Horse insurance
Post by: Jess00 on February 28, 2005, 09:52:57 AM

OK, Julie, so what do they consider an injection if it's not maintenance?  From my experience if they are injected it  will need repeating, thus being maintenance???  Do they not see it that way?  How much does the MM cover?  I know Justin is $7500 and the others I talked to were $5000.  I did not however call Wilkins (didn't know about them).

Editted to add I was refering to hock injections.  I'm sure there are other injections that are not maintenance.  I may have to shop around again next year for insurance.

Title: Re: Horse insurance
Post by: Julie on February 28, 2005, 02:20:53 PM

Well, in my case,  there was obviously a problem other than just plain arthritis in the stifle,(or hock) he came up lame all of the sudden.  Some people inject hocks just because they think they need to. (which I consider maintance) I don't know how they they specifically consider which is maintance or an injury, I guess that would be the vets call.  My vet is the person who referred me to Wilkins because they do pay for injections. 

Title: Re: Horse insurance
Post by: Jess00 on March 01, 2005, 06:08:52 AM

Quote from: Julie on February 28, 2005, 02:20:53 PM

Well, in my case,  there was obviously a problem other than just plain arthritis in the stifle,(or hock) he came up lame all of the sudden.  Some people inject hocks just because they think they need to. (which I consider maintance) I don't know how they they specifically consider which is maintance or an injury, I guess that would be the vets call.  My vet is the person who referred me to Wilkins because they do pay for injections. 

Thanks for the info, that's very interesting about them paying for injections.  I guess that's what you'd call a "gray" area.  I've never asked my vet about insurance, I guess they WOULD know who pays and who doesn't wouldn't they.