 |
Re: [RC] Horse Insurance - rides2far@xxxxxxxxI call up the insurance company every year and get a quote on how much it would cost toinsure them (4-5 horses), and then I put the money in the bank instead and then pay unexpected vet bills out of that. My first quote was over $2000 per year, and I figured 'for that money, I can just pay the vet myself." This is sort of how we insured ourselves when we didn't have health insurance at work. We took out a $5,000 deductable policy, then put the difference that a $1,000 deductable policy would have cost us in an account. We just had to stay out of the hospital for a year or so before we had the $5,000 sitting in the bank for our deductable. I've had horses for 39 years and other than lameness exams and occasional stitches have had very very few vet bills. In 5000 miles+ miles of endurance I have never had to have a treatment. If I have to pay for something big it will never add up to what the insurance premiums would have been all those years. The way insurance works is they bet your horse won't need it and you bet he will. They need to insure say...5 who don't need it to make up for the one who does. I figure if you put me in a group of 5 I've got a very good chance of being one of them who does not need it, and I don't want to pay for the one who manages to have more problems. Angie McGhee ____________________________________________________________ Healthcare Degrees Online On-Line Medical Billing Degrees. Get free information and Apply Today! http://thirdpartyoffers.juno.com/TGL2141/c?cp=9XoYBfwRkjdWGx5MJK9mhwAAJ1BpL1XsHRnGIsQQWv63IISwAAQAAAAFAAAAAGQ7Xz4AAAMlAAAAAAAAAAAAAAAAABNlaQAAAAA= =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=- Ridecamp is a service of Endurance Net, http://www.endurance.net. Information, Policy, Disclaimer: http://www.endurance.net/Ridecamp Subscribe/Unsubscribe http://www.endurance.net/ridecamp/logon.asp Ride Long and Ride Safe!! =-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-
|