Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Thanks Elaine for the detailed infor on insurance. We will check yours along with some others recommended on this list and make a decision. It's something we keep putting off. Our Fjord has been so healthy, as well as our 27 yr. old Arab!! It's the dang Quarter horses that keep coming up with things -- but I do love them all dearly!! We'd probably only insure my daughter's show horse and the Fjord. My mare is 12 and has bone spavins which are managed beautifully with Glucosamine daily. Not sure if her resale value is worth the insurance. Lots to think about. Susan
Re: Insurance for Fjords
This message is from: B. Hendricks [EMAIL PROTECTED] My daughter bought a purebred Akhal-Teke gelding some years ago at a sizeable price, and insured him. She was going to use him in endurance. He had been foundered slightly prior to her buying him, and it didn't really show itself, and when he went to work everything fell apart. She had insured his life, and medical care, however she didn't include loss of use and the insurance company would not agree to her putting the horse down and collecting so she could replace him. They insisted he could be made a comfortable cripple - he was four years old, a beautiful dun, useless, and it was hard to see how he would ever really be comfortable. Be sure what you are insuring for, and read the small print. Counting her purchase price and the trip to Colorado to pick him up, she was out over $14,000. As the horse looked perfectly fine before she bought him, and the vet had not checked his feet for tenderness, the founder was not detected and he was declared sound and healthy. This colt grew up in a large pasture and had only been at the trainer's for about three months, where they had put him on a rich diet of alfalfa and grain. When Carol bought him, everything looked fine, so she hauled him home. At home, she fed only good grass hay and some supplements - she noticed that he seemed tender in the front but thought he only needed shoes... Bonnie Please visit my web sites: Commissioned Horse Portraits, Oil Paintings, Prints, Books http://www.hendricksgallery.com and http://members.xoom.com/BHendricks/Gallery1.html - Original Message - From: [EMAIL PROTECTED] To: [EMAIL PROTECTED] Sent: Friday, July 23, 1999 3:04 PM Subject: Re: Insurance for Fjords This message is from: [EMAIL PROTECTED] In a message dated 7/22/99 20:23:13 Pacific Daylight Time, [EMAIL PROTECTED] writes: I'd be interested to hear the other side of this argument: has anyone had a good experience with insurance coverage? Somebody on another email list I'm on had a Morgan who she loved dearly, despite the ditzy things he did. Really stupid things. Unfortunately, last month his leg shattered and he had to be put down. Insurance is paying for the horse she just found, another Morgan that doesn't have the self-destruct attitude her last one did. She buys him this month, as soon as the insurance check arrives. Pamela
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] In a message dated 7/22/99 20:23:13 Pacific Daylight Time, [EMAIL PROTECTED] writes: I'd be interested to hear the other side of this argument: has anyone had a good experience with insurance coverage? Somebody on another email list I'm on had a Morgan who she loved dearly, despite the ditzy things he did. Really stupid things. Unfortunately, last month his leg shattered and he had to be put down. Insurance is paying for the horse she just found, another Morgan that doesn't have the self-destruct attitude her last one did. She buys him this month, as soon as the insurance check arrives. Pamela
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Susan, I think there are many good insurance companies out there now, and I believe that the AHSA has horse insurance now, too. They would be very reputable and competitive with their pricing. I have used a company called Ziplow for over 10 years and I have had no problems.(800-822-2202). It is always a tough decision whether or not to spend money on insurance. I had a friend that spent over 50K on a horse, did not insure it, and it died within a week. She is still paying on the loan for the horse. I live in an urban area where my horses are always trailered on the freeways, and are left at different show grounds, etc. I feel that they are at a little more risk than if I lived in the country. The most useful thing about insurance is the major medical coverage, that you have to ask for in addition to mortality. It has a $250 deductible, but it covers anything that is not routine maintenance. We all know how fast vet bills can get over $250, so it can come in handy. You should be able to get rates of 3% if you are not using the horse for any thing other than pleasure or dressage. So for a horse insured for $4000, let say, you should have to pay $120, plus and additional $150-250 for major medical a year. Hope this gives you some information. Elaine Olsen
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] 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
Re: Insurance for Fjords
This message is from: Jean Gayle [EMAIL PROTECTED] I have a good insurer and trust her. Eve Willett at 1 800 jog trot. Jean Gayle Aberdeen, WA [Authoress of The Colonel's Daughter ] http://www.techline.com/~jgayle -Original Message- From: [EMAIL PROTECTED] [EMAIL PROTECTED] To: [EMAIL PROTECTED] [EMAIL PROTECTED] Date: Thursday, July 22, 1999 12:37 PM Subject: Re: Insurance for Fjords This message is from: [EMAIL PROTECTED] Elaine, We're thinking of insuring 2 of our 4 horses. Do you recommend anyone in particular? Who do you use? What can you expect to pay for it?? Susan
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Elaine, We're thinking of insuring 2 of our 4 horses. Do you recommend anyone in particular? Who do you use? What can you expect to pay for it?? Susan
Re: Insurance for Fjords
This message is from: Denise Delgado [EMAIL PROTECTED] thanks, elaine. a lot of helpful info on insurance. i am checking into and so far am still shipping, but will get it just in case. thanks, denise - Original Message - From: [EMAIL PROTECTED] To: [EMAIL PROTECTED] Sent: Tuesday, July 20, 1999 5:05 PM Subject: Re: Insurance for Fjords This message is from: [EMAIL PROTECTED] I have my Fjords insured, and my other horses, too. They do a lot of traveling. Insurance is based on the purchase price of the horse. You can raise the amount of your coverage, but often have to substantiate it when you get in the higher amounts. In other words, someone just can't say, this filly is worth $100, 000. without proving it somehow. I am requested to submit show records every year to show that I do use the horse for dressage (a lower rate than jumping). Most insurance companies have you pay a premium based on 3-5% of your insured value per year. I would strongly recommend adding major medical coverage to the policy for an extra $150-250. If you don't know the market value of your horse, I'm sure the insurance company can help you with that. It only gets tricky when you start getting horses valued over $25,000. Then, you have to submit a vet check every year with your application. Unfortunately, I had to use my insurance policy when I lost a horse to colic. The bills were over $5000 (surgery involved) and they paid for everything, including what I paid for the horse. Elaine Olsen
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] I have my Fjords insured, and my other horses, too. They do a lot of traveling. Insurance is based on the purchase price of the horse. You can raise the amount of your coverage, but often have to substantiate it when you get in the higher amounts. In other words, someone just can't say, this filly is worth $100, 000. without proving it somehow. I am requested to submit show records every year to show that I do use the horse for dressage (a lower rate than jumping). Most insurance companies have you pay a premium based on 3-5% of your insured value per year. I would strongly recommend adding major medical coverage to the policy for an extra $150-250. If you don't know the market value of your horse, I'm sure the insurance company can help you with that. It only gets tricky when you start getting horses valued over $25,000. Then, you have to submit a vet check every year with your application. Unfortunately, I had to use my insurance policy when I lost a horse to colic. The bills were over $5000 (surgery involved) and they paid for everything, including what I paid for the horse. Elaine Olsen
Re: Insurance for Fjords
This message is from: [EMAIL PROTECTED] Hello! I am looking into getting an insurance policy for my yearling filly. I am curious as to whether or not anyone else has policies on their Fjords and how the amount of coverage was determined. My filly is considered by my husband and I to be one of our valuables and as such we want to make sure that should anything happen to her our options are not limited by available funds. Any help would be greatly appreciated. Thanks in advance! Tami -- In Newberg, OR where summer has finally arrived! :-)
