Did you know?

Good afternoon bloggers!

Did you know that AUI/Ziplow Horse Insurance Agency also does Farm and Property Insurance? We offer Equine Farm Package, Care Custody and Control coverage as well as Liability coverage! We even put all of our forms online for your convenience. Take a look around the website...if you are looking for farm or property insurance, please give us a call! We are here to help and would love to get you the protection you need.

You can visit us on the web at: http://equineinsuranceagent.com/farm_property_insurance.htm

FAQ: What are some key points to look for when comparing mortality and major medical policies for my horse?

Good Morning!

Today we want to mention an important question that we often get from our customers. We pride ourselves for not only being your number one choice in equestrian insurance, but also helping you understand your policy and coverage. Here is the first of a few FAQ's we will feature! Enjoy!

What are some key points to look for when comparing mortality and major medical policies for my horse?

The most important thing to consider is how the claims are handled. This is the time that the policy is most important. Call your veterinarian and ask them which companies are best with paying claims in a timely manner.

Next you will want to consider the limits of coverage that you are choosing, Mortality value and Medical limits of coverage. Premium is also important, but be sure you are doing an apples-to-apples comparison.

Remember, we are always here to help! You can visit us online at: http://equineinsuranceagent.com/home.htm

Our Coverage and Explanations: Stallion Infertility Coverage

Today, we are continuing our blog series for our client base, with explanations of our coverage.  Remember, if you are not a current client, or would like to become one, please visit us online at: www.equineinsuranceagent.com! We would love to help you!

Stallion Infertility Coverage
This coverage implies that the company will pay up to the value insured for full mortality or the
current market value (whichever is less), if the stallion becomes totally and permanently infertile,
impotent or incapable of servicing mares due to an accident, sickness, or disease. The problem
that has caused the infertility must have occurred and been reported to the claims department
during the policy period. If the stallion is between 3 and 15 years old and his testicles are of
normal size and consistency as confirmed by a veterinarian, by way of a vet exam, the horse can
be eligible for this coverage. If a claim is paid the company will take full ownership of the
stallion. The premium rate charged is 0.50% of the stallions insured value. To qualify for this
coverage, the minimum value of the stallion must be $25,000.

Named and Optional Perils 
This is a lesser coverage than what is provided by Full Mortality coverage. This covers the horse
for death or humane destruction due to Fire, lightening, transportation accidents (within the
continental USA and Canada) and theft of the horse, explosion, smoke, windstorm, riots,
earthquake, volcanic eruption, and floods. Optional Perils can also be included and they include
accidental shooting, accidental drowning, artificial electricity, attack by dogs or wild animals,
and collapse of buildings. The rate for breeding & pleasure use animals is 0.75% or for race and
show animals 1.00%.

Our coverage and explanations: Loss of Use Coverage

Today, we are continuing our blog series for our client base, with explanations of our coverage.  Remember, if you are not a current client, or would like to become one, please visit us online at: www.equineinsuranceagent.com! We would love to help you!

Loss of Use Coverage 

The horse must be in good health, with no injuries, sickness, disease or lameness issues past or
present. To qualify for LOU the minimum value of the horse must be at least $25,000.00
and it must be between the ages of 3 to 12. Please contact our offices for questions on any
specific conditions you think may not meet requirements. The company offers two different
types of loss of use coverage. The first one is loss of use #1 which covers the horse for
accidental, external trauma. The rate is 2.5% of the mortality value listed on the policy. The
second option is Loss of use #2 which covers the horse for accidental injury & illness or disease.
The rate is 3.75% of the mortality value listed on the policy. In both cases a regular vet exam is
required. For loss of use #2 coverage we also require that x-rays and flexions be done for the navicular bone, Proximal Sesamoid bones, Fetlock joints, and tarsal joints. The results must be
sent to us to be reviewed by the underwriters.

Payout Method
• Loss of Use #1: 50% of insured value if you keep possession of the horse and 60% if you
give possession of the horse to the company.
• Loss of Use #2: 50% of insured value if you keep possession of the horse and 75% if you
give possession of the horse to the company

Our coverage and explanations: Horse Mortality Coverage

Good morning!

This week we are starting a blog series with information specific to our customer base. We want the information to be out there and readily available to you. And of course, if you are not a customer but are looking for equine insurance, please feel free to contact us at: equineinsuranceagent.com. We would love to hear from you and help you with peace of mind!

Below are brief explanations of available coverage for the HORSE MORTALITY.

Mortality/Theft Coverage – There is a minimum premium of $200.00 per horse.
This policy covers the horse if death occurs due to an accident, illness, disease, injury, or humane
destruction where the vet can certify that the animal’s condition is incurable and so excessive
that immediate destruction was necessary for humane reasons. The company will pay the
amount insured or the current market value (whichever is less) of the horse prior to the sickness
or injury that caused the death. We can insure the horse for the purchase price within the first
year of ownership. If a higher value is requested please supply us with a show record or provide
a letter stating how much you have paid for training fees (this does not include board, farrier or
veterinary fees) to justify any increase. You must have a Mortality/Theft policy in order to be
eligible to receive Major Medical, Colic, Surgical, Loss of Use, Stallion Infertility, and/or Air
Transit coverages. Please note: To qualify for any major medical coverage, the insured value of
your horse must be $15,000 or greater. If not, you may choose Colic and/or Surgical coverage as
an alternate. All pre-existing and congenital conditions are not covered. We can write new
business on any horses aged 24 hours old through age 15. Renewal policies will be offered
through age 20, however the rates will increase each year on most horses over the age of 14. A
vet exam is required for all horses over $100,000 in value, on new and renewal business. We will
accept values up to $100,000 without a veterinary certificate as long as the horse has not been
seen by a veterinarian for other then routine care. Please keep in mind if you have a foal we will
require a vet exam if the foal is under 3 months of age. To insure a foal it must be at least 24
hours old. If it is a newborn we will need the results of the IGG test. In all other cases, we only
require that you sign the statement of condition, which states that the horse has not been seen by
a veterinarian for other then routine care.