> On the other hand, I AM going to insure a very valuable colt who is a sale
> colt and if I just had one horse who was kept in a corral or stall, I'd
> probably insure him.
I have my young and more valuable horses insured for full mortality and
colic. The company pays off in the case of all the above mentioned and
in the case of colic or disease. If surgery is needed, it will pay up to
a certain amt of the insured value of the horse or a dollar amt,
whichever is indicated. the price? depends on the breed of horse.
Arabs and 1/2 arabs are about 3% of the insured value of the horse. My
Appy's are only a little higher. It helps if the horses are pleasure and
breeding, not JUST broodmares or just breeding stallions. I guess the
potential for death is higher in mares that just stand in the pasture.
They have absolutely NO problem with endurance horses, and are fine to
insure them. I don't know about other breeds, but you could call and
find out.
I can get the # if anyone is interested, e-mail me and I will send it
out.
> BTW, the insurance companies I have talked with want PROOF of your horse's
value.
that is not a problem with this company. I have never had a value
disputed on any of my horses. In fact, the Rep that I use has helped me
set a value based on stud fee of the sire, and it was higher than I would
have thought I could do it--this was one of the first horses that I
insured and did not know how to go about setting values on a horse that I
did not purchase--I had the dam.
Jim is very easy to deal with, and very helpful for any newcomers.
Let me know if any of you wish to have his number.
[
samm bartee