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[RC] Horse Insurance - k s swigart

Nat said:

And, at these rates, I might even be able to insure my other horses too :) 

Depending on how many 'other horses' you are talking about, buying insurance 
for all of them is likely to be more expensive than paying the vet if the need 

I call up the insurance company every year and get a quote on how much it would 
cost to insure them (4-5 horses), and then I put the money in the bank instead 
and then pay unexpected vet bills out of that.? My first quote was over $2000 
per year, and I figured 'for that money,?I can just pay the vet myself."

Over the years, even with?3 hospital stays, a surgery, ulcer treatment, and 
fertility evaluation (which isn't covered under normal insurance), I?have 
thousands of dollars in the account.

You get to be your own insurance adjuster, and there is no temptation to commit 
insurance fraud (which MANY people who I know who have medical insurance for 
their horses do, by under-reporting their horses' medical conditions).

It does, however, require that you have the discipline not to spend the money 
on something else.

Orange County, Calif.

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