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June 2019 (10)

Blog Category: Broadstone Equine

Insuring Your Horse - Commonly Asked Questions

Categories: Broadstone Equine

In talking to prospective clients every day, a lot of the same questions come up and I thought I would share some of the more common in this blog.


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Horse Insurance 101

Categories: Broadstone Equine

Let's face it, insurance falls way to the bottom of the list of topics any horse owner wants to talk about.  Discussing worst case scenarios doesn't exactly make for enjoyable barn aisle or ringside small talk.  Unfortunately, as in many areas of life, what you don't know can hurt you.

So without being too morbid, but in the interest of helping you protect your investments--following is some information that might help you consider putting "Get Horse Insurance" on your to-do list.  


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Five Tips to Help Ensure a Smooth Claims Process

Categories: Broadstone Equine

Occasionally when a potential new client calls to find out about insuring their horse, they are already a bit hesitant because they’ve heard horror stories of claims not being covered, and they want to know, in the words of a recent potential client who was considering insuring her horse and asked me, “Is this whole horse insurance thing is just a scam.”

My answer is, in a word, “No.” And I say that after nearly two decades in the industry, with literally thousands of claims paid.  I would not be involved in an industry that did not take care of my clients, and their horses, nor would I be in business with companies that don’t keep their word as to the contracts they make with their customers.


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My Least Favorite Cliché - “Don’t look a gift horse in the mouth"

Categories: Broadstone Equine

The idea is that it's rude to closely inspect a gift to see if it meets your standards, such as checking the gift horse’s teeth to determine its age.  To extrapolate from that idea, I am amazed at how many people purchase a horse without doing any sort of pre-purchase exam, or if they do some sort of vetting, it’s pretty much just a cursory one.  And typically the reason they give is because the horse was either a gift, or very inexpensive, such as an off-the-track Thoroughbred or a rescue.  Or even stranger, they will spend thousands of dollars on a horse, but not invest at least a few hundred more for at least a somewhat thorough vet exam.


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Making Sense of Recent Changes to Major Medical/Surgical Coverage

Categories: Broadstone Equine

There are a lot of changes happening in today’s equine insurance market, and a few of those impact horse owners in significant ways, so I thought I would address one specific area – Major Medical/Surgical coverage.

In the last several years, due in large part to drastically rising claims costs—most significantly related to Major Medical/Surgical claims—insurance companies throughout the U.S. have made changes to their Major Medical/Surgical coverages. These changes range from the easily understood increases in premiums and deductibles, and additions of co-pays and coverage sub-limits, to only allowing Major Medical/Surgical coverage on horses valued at certain amounts, or restricting the limit of coverage based on the horse’s insured value.  In the following blog, I’ll try to address these areas in more detail.


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