US Rider insurance

[rothmpp]

Since it is just my husband and I, cost is not a concern. I have had it for 5ish years and seem to need it about once a year, though thankfully never with a loaded trailer. But I would be super grateful that they will deal with a loaded trailer. I would never want to have to depend on getting a good enough signal on my phone to get the 'net to get help if I had horses on the trailer. Also love that it will cover any loaded trailer that I am “with”.

One thing that I really like about the service is that there is never an issue with my dually getting service/towed. Not always the case with many other tow services.

[rb5007]

US Rider was actually cheaper for me and my husband than AAA so I ditched AAA. I LOVE it and would never, ever put my horse on the trailer without it again.

[jherold]

Have had USRider for years. Last year the serpentine belt broke while hauling. They were able to get a flat bed truck to take the truck and we hitched the trailer to the flat bed. Took the horse home and dropped the trailer and then truck off to the shop. It was a local trip so it didn’t exceed my towing limit. No charge for me at all. If they had not been able to get a flat bed, they said they would have sent 2 tow vehicles to get my truck to the shop and my horse safely home. I wouldn’t haul with out them.

[cgs]

[QUOTE=rb5007;8574461]
US Rider was actually cheaper for me and my husband than AAA so I ditched AAA. I LOVE it and would never, ever put my horse on the trailer without it again.[/QUOTE]

AAA is I think around $65 for me and $40 for my son. US Rider would be $130 or so for me and $80 for a second person. So twice as much. I just have basic AAA, so 3 only 3 miles towing, but I’ve only been towed once. I think it’s going to be best for us to get Roadside Assistance through GEICO, which will cover each car for pretty cheap, then USRider for either my husband and me, or just for my daughter who is usually with the trailer.

[cgs]

Signed up for USRider today. I put it in my daughter’s name. I feel better already.

[copper1]

I would be sure to have US Rider on whoever is driving the trailer the most. AAA will often not even change a tire on a horse trailer so one needs to be sure they can get help for their rig. US riders will get your horse safe which AAA won’t!

[Bluey]

I had AAA for years, never needed it, change my own tires if I can’t just put a plug in the hole.

Well, had one flat, then a second one, so no spare tire and both were big holes.
AAA was no good at all, could not find someone to help because it was a Sunday afternoon and some big game was on TV and no one was available.

I made it home airing the tire every few miles with the little 12v compressor.
AAA never called back to be sure I made it or if I was still stranded and still needing assistance.

After that, quit AAA and have US Rider for some years now, that I have never needed, but is nice to hear they would be a bit better service if and when I may need any.

AAA is really useless, very poor service to none in my situation.

[SuckerForHorses]

Does US Rider only work if they have contracted servicers in the area you’re in? Like, I’m in Vermont, and have never heard of it until coming on COTH. Are there only certain service stations/tow truck companies/etc that contract with US Rider? If I sign up for it, and need it, I don’t want to find out later that nobody is contracted to help me out.

[vxf111]

Their roadside assistance is awesome for peace of mind. Well worth the money. And the HorseTech discount alone saves me almost as much as the coverage!

[Guilherme]

[QUOTE=SuckerForHorses;8575655]
Does US Rider only work if they have contracted servicers in the area you’re in? Like, I’m in Vermont, and have never heard of it until coming on COTH. Are there only certain service stations/tow truck companies/etc that contract with US Rider? If I sign up for it, and need it, I don’t want to find out later that nobody is contracted to help me out.[/QUOTE]

Yes, but this is true with any roadside assistance program. Ask them about coverage in your area.

We’ve had USRider for many years and just renewed. They have been at least as reliable as AAA when we’ve needed them. AAA once left me stranded at a gas pump when the truck wouldn’t start in spite of my having bought the RVPlus coverage with they said would cover the trailer as long as no horses were in it. The local contractor in Oak Grove, KY did not have a truck big enough to pull the truck/trailer and AAA KY would not provide authorization or assistance in getting one. AAA ultimately refunded my money for the RVPlus coverage.

G.

[hosspuller]

[QUOTE=SuckerForHorses;8575655]
Does US Rider only work if they have contracted servicers in the area you’re in? Like, I’m in Vermont, and have never heard of it until coming on COTH. Are there only certain service stations/tow truck companies/etc that contract with US Rider? If I sign up for it, and need it, I don’t want to find out later that nobody is contracted to help me out.[/QUOTE]

See my experience in post #8 . You might call USR and ask if they have any providers in your usual trailering area. If not… My experience says no problem. (as long as there IS a tow service to contract with)

[Jim_R]

Have US Rider and knock on wood have not needed it. It has been a great experience for friends that have used it. My question is can they come help you on all roads? I was told they can not tow or help you on the NJ Turnpike. I think it is a private road as a friend that was a State Trooper was contracted out to the TP and worked for them. So could they not be liecensed to haul on all roads? DW has been looking over paperwork and can’t seem to find anything about this.

[poltroon]

When you call US Rider, the person who calls needs to be the person on the policy and that person needs to at least claim they were driving the vehicle when it broke down. If your daughter has a driver’s license then you should be fine. If not, you may have an issue getting service.

[Jarpur]

I am a former USRider customer. No complaints, as I never needed to call for service, but it was relatively expensive.

We have the highest level of AAA coverage (the travel discounts and benefits alone make that worthwhile for us), and we added TrailGuard coverage last year:
http://trailguard.org/what-we-do/

In our situation, this is more useful to us, and covers more possible scenarios.

Those considering USRider need to be aware that no business, commercial, or professional use is covered.

[rb5007]

I have used US Rider twice, both times in rural areas, and the guys told me they contract with both AAA and US Rider so at least in some areas it is the same network.

[cgs]

[QUOTE=poltroon;8575886]
When you call US Rider, the person who calls needs to be the person on the policy and that person needs to at least claim they were driving the vehicle when it broke down. If your daughter has a driver’s license then you should be fine. If not, you may have an issue getting service.[/QUOTE]

That’s not actually true. The person on the policy only has to be riding in the vehicle. She doesn’t have to be driving. She does have a license (newly) and that was required to put it in her name (though they didn’t ask for her license number or anything.) If I have to do any significant towing without her, I’ll put myself on the policy, but so far all I’ve done is tow the trailer to a garage close by to get it fixed. If I’d run into trouble, I could have either called barn friends for help or had dd drive the 5 minutes to where I was to claim she was in the trailer. I doubt she has to be the one to make the actual phone call. We just need her membership number.

[rothmpp]

In my experience, with both AAA and US Rider - the tow drivers never even asked me for any ID. My husband may have had an issue if he were there by himself and the coverage was only in my name, but the truck drivers don’t really care so long as they get paid from the company. And you only have to be in the vehicle - it doesn’t have to be a vehicle you own.

And as far as the coverage for a pro - I don’t think that AAA would cover commercial use either. Knock on wood - we’ve never had an issue when my trainer has been hauling, but she does not have her farm name on either the truck or the trailer, so they probably would cover her if I were with her.

[jenm]

[QUOTE=SuckerForHorses;8575655]
Does US Rider only work if they have contracted servicers in the area you’re in? Like, I’m in Vermont, and have never heard of it until coming on COTH. Are there only certain service stations/tow truck companies/etc that contract with US Rider? If I sign up for it, and need it, I don’t want to find out later that nobody is contracted to help me out.[/QUOTE]

@hosspuller;8575752

See my experience in post #8 . You might call USR and ask if they have any providers in your usual trailering area. If not… My experience says no problem. (as long as there IS a tow service to contract with)

This is why I switched over to Trailguard from US Rider. Trailguard offers a more personalized experience and while it’s more expensive, I feel they are more thorough and I haven’t seen any negative reviews about them like I’ve seen with US Rider.

[vtonic]

US Rider is worthless. The website is very misleading. It would take a lot for me to call a business a fraud but I am tempted to in this case.
Although they list lockout service, flat tire service separately all of those are considered “roadside repair” and your coverage is only $200 on the primary membership. You pay them $139 and they cover up to $200 - A great Deal Right?

I was at a horse park with 400 other horses. My horses were out of the trailer and all I needed was to switch out one tire for another. They asked me all kinds of questions about my trailer (make, model, year, etc. but had no idea what I was talking about when I said it was a standard 2-horse slant. (they bill themselves as Equestrian specialists).
After being on hold for 20 minutes they told me that they didn’t have coverage in my area. I was at a horse park in California that hosts many hundreds of horses each month throughout the year - and they don’t have coverage.

I was told to stay on hold - a half hour now. Then they came back and said that they could get someone there in an hour but the cost was$250 and I only have $200 coverage (although a flat fix shows no fee on their website)

In all of that time I could have driven down the road to a gas station and had it done, Luckily the show farrier had a ramp and we did it in 10 minutes.

Waste of time and money. Really deceptive

[vtonic]

NOT worth it
US Rider is worthless. The website is very misleading. It would take a lot for me to call a business a fraud but I am tempted to in this case.
Although they list lockout service, flat tire service separately all of those are considered “roadside repair” and your coverage is only $200 on the primary membership. You pay them $139 and they cover up to $200 - A great Deal Right?

I was at a horse park with 400 other horses. My horses were out of the trailer and all I needed was to switch out one tire for another. They asked me all kinds of questions about my trailer (make, model, year, etc. but had no idea what I was talking about when I said it was a standard 2-horse slant. (they bill themselves as Equestrian specialists).
After being on hold for 20 minutes they told me that they didn’t have coverage in my area. I was at a horse park in California that hosts many hundreds of horses each month throughout the year - and they don’t have coverage.

I was told to stay on hold - a half hour now. Then they came back and said that they could get someone there in an hour but the cost was$250 and I only have $200 coverage (although a flat fix shows no fee on their website)

In all of that time I could have driven down the road to a gas station and had it done, Luckily the show farrier had a ramp and we did it in 10 minutes.

Waste of time and money. Really deceptive