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This is from Alex Wind.
When I looked into insuring my first Fjord, I found that the cost
was very high and the coverage was very limited. My Techla cost
$10,000. Each year I would have had to pay $1000, so in ten years
I would have paid for her twice. There were all kinds of rules and
exceptions. Road accidents were covered, but lightening strikes
were not. It covered theft, but only if you had your gates padlocked!
As it turned out Techla died after I had only owned her for
four years, fortunately, she replaced herself, by having a filly, ever more
beautiful and large, than herself. So you are saying, "Aha, she should
have bought the insurance after all!" But she died suddenly and with no
explanation. The autopsy results were "colitis X," meaning that they
could really find no cause. I doubt that the insurance would have paid,
because it requires a definite cause of death. So I'm still undecided
whether it's a good idea, or not. My impulse is to just take my chances.
I can just see the insurance premiums, for some of you with large farms,
and lots of Fjords.
I'd be interested to hear the other side of this argument: has anyone
had a good experience with insurance coverage?
Wondering, again.
Alex
