Hi - 
I need some advice and clarification here, please. I am looking at insurance companies for my 4 y/o reg. Irish Draught geld. The one bit of advice I did receive is to do the $24,999 instead of $25K. 
But my real point in this whole insurance thing is to NEVER use the mortality part. What I really want for my boy is mega high coverage for things like colic surgery or anything like that. He is in perfect health - nothing ever wrong with him. But I don’t ever want to be in the position of ever having to think about cost vs his life. And surgery, etc. is so expensive! :eek: And not just surgery - all the things that go along with it. I will never have another horse like this one again, which is why this is so important. :sadsmile: But when I look into insurance companies, it is so vague what they really cover. They say you can buy a separate policy for major med/surg up to 10K+ but does that apply to colic surgery when they say already that they will only pay pay $3K for colic surgery? I’m so confused! 
Can any one of you set me straight? Oh yes, and reasonable rates would be really nice too. :yes: And if, GF, something unthinkable happens, there is no way on earth I will wait one second to ask an insurance company’s permission to get my boy out of pain immediately. So they should be prepared to pay out no matter what!!
So, with all that being said, :lol:, does such a perfect insurance company like this exist? Thanks!
??wrong forum??
Maybe you’re on the wrong forum. Not sure what this has to do w/hunting. Off Course maybe?
Um, I think you’re right - sorry all. :lol: Only connection to hunting is that is what type of riding we do. OOPS! :eek: I’ll take your suggestion and try another forum. :yes: Thanks! 
We’ve been pleased with Blue Bridle
First of all, DO NOT confuse the mortality with the major medical endorsement. The mortality can be for any amount, but the major medical endorsement is always for a sub-limit, typically between $7 - $10K.
I reason for going with a policy under $25K is that most carriers will not require a vet exam for the mortality coverage. It won’t make a difference on the major medical.
I would be concerned about any agent would couldn’t clearly explain the sub-limits for major medical. If colic is only covered up to $3K for example, that shouldn’t be hard to explain. As somone who is licensed and has worked in the industry, I disagree with the OP that the policies are vague. I think the policies are pretty detailed, especially in light of long established legal precedent that if the policy is vague, the insureds interpretation prevails. And the agent should be able to explain it in plain English. If the OP is confused, then I think it’s an issue of communication.
On the euthanasia question – yes, you are supposed to notify the carrier in the event of a claim. The carriers are not dimwits and do understand that there may be situations when you can’t call prior to euthanizing. But really, unless you have a vet standing there ready to go, you really do have a minute or two to call in the claim.
The euthanasia issue is a serious one for the carriers because this is where so much insurance fraud has occurred. They are not going to say categorically that they will pay out for any death under any circumstances. However, I bet horse mortality claims are paid out at a rate of 99% of submitted claims.
And you know what, if you read your homeowners or auto policy, you’ll find that these policies will only pay a claim for a covered loss. So if your burn down your house or push your car over a cliff, then don’t expect the carrier to pay your claim.
Everything was so helpful, until the last sentence.
Buying insurance for a motorcycle is so much easier. 
Agreed!
