Nov 18, 2020

Bundling Horse Insurance with Parker Equine Insurance

By Jimmie Schramm - Athletux Equine
USEA/Jessica Duffy Photo.

For large commercial equine operations, it is essential that all horses in the business are protected with an insurance policy specifically designed to meet individual owner needs and at the same time ensure proper equine coverage. You might be a top level rider with a string of horses or maybe you are a breeder or an owner with several imported sport horses. Whatever the case, it is important that each horse is covered by an equine insurance plan to hedge against the unforeseeable.

What most people who are in this situation don’t realize is that there are additional insurance options out there for them. Parker Equine Insurance goes beyond the individual insurance plan for the individual horse. Most people don’t know that you can group your horses together into one large insurance policy that has a deductible on the mortality as opposed to several individual policies. Most people also don’t realize that creating coverage like this, with the help of your insurance agent, can save owners time and a lot of money.

“People don’t know about deductible policies,” says Donna Parker of Parker Equine Insurance. “It’s is a shame because the savings can be huge.”

Huge indeed. If horses are put together in one insurance policy, it brings down the morality insurance rate. Mortality rates can drop as much as 60 percent. It does require a minimum number of horses or a minimum total insured value.

“You are combining young horses with older, more seasoned horses, into one policy,” says Donna, “so the young horses who are less at risk, bring down the mortality rates on the older competition horses. The major medical is added on the same way as an individual policy, so if you don’t have a mortality claim in two years, you save enough to pay the deductible should there be a mortality claim.”

The savings can be great. Not only does the mortality rate drop, but the deductible does too, and this can lead to even more money saved.

Additionally, there is the peace of mind of knowing that all of your horses are covered under one complete plan, because, let’s face it, the one that has a claim is always the one you didn’t buy insurance for. The hassle of multiple insurance plans, different payment schedules, and different policy expiration dates is taken out of the equation.

The bottom line is, if you think you are in the market for multiple horse insurance such as this, ask your insurance agent about this option. Coverage such as this is personally customized, and you are not going to see plans like this offered on standard equine insurance websites. Owners need to inquire.

“Bundling horse insurance is something we definitely do,” says Donna. “We recently designed a policy for a well-known professional event rider covering all her horses in a large group plan. Customized plans are something we are very happy to set up for people who have a large string of horses.”

Parker Equine Insurance will work closely with you to acquire the best coverage to protect all of your horses during training or competition and well into their future. A customized insurance plan covering multiple horses is worth the inquiry. To find out more about Parker Equine Insurance, please visit www.equine-ins.com and be sure to follow Parker Equine Insurance on Facebook and @equine.insurance on Instagram.

Jul 03, 2024 AEC

Two Months Until the 2024 USEA American Eventing Championships presented by Nutrena Feeds

The countdown to the 2024 United States Eventing Association (USEA) American Eventing Championships (AEC) presented by Nutrena Feeds is getting shorter and the tentative schedule is officially set! For the second year in a row, the AEC returns to the iconic Kentucky Horse Park from August 27 through September 1 and will offer 26 divisions, including brand new Starter divisions and all levels of recognized evening up through the $60,000 Adequan USEA Advanced Final.

Jul 02, 2024 Educational Activities

USEA Educational Activity Highlight: Sherwood Forest Hunter Pace | Sherwood Oregon | July 13, 2024

What’s a Hunter Pace? The Sherwood Forest Equestrian Center's Hunter Pace is a cross-country-style course around Sherwood Forest over various natural obstacles/terrain. The course ends with a final treat for riders to take in stunning views of Mt. Hood with a loop through the old Far Hill Farms field. The beginning of the course will first start with a warm-up loop around show jumping obstacles in the outdoor ring at Sherwood Forest and then riders will continue directly onto the course. Sign up as a solo rider, pair, or team.

Jul 02, 2024 Profile

No Longer Dreaming: Claire Allen's Goal of Qualifying for USEF Eventing Young Rider Championship is Now Reality

Claire Allen remembers when she was 11 years old, having just made the switch from the hunter/jumper ring to three-day eventing. She told her new eventing trainer that her goal was to one day compete in the United States Equestrian Federation’s Eventing Young Rider Championships.

Jul 01, 2024 Competitions

Alliston’s Busy Weekend, Braitling’s Reuniting with Five-Star Mount, & Kalkman’s Advanced Victory Highlight Twin Rivers Summer H.T.

As he was finishing tacking up his horse in preparation to navigate the cross-country course at the 2024 Twin Rivers Summer Horse Trials, James Alliston expressed concern about navigating the 101 Freeway. That’s because as soon as he crossed the finish line aboard Intermediate level winner Addyson (Ampere x Nickerbocker) at 10:38 a.m. on Saturday—his fifth cross-country round of the morning with three at Preliminary and two at Intermediate—the West Coast-based five-star rider had to drive 185 miles on the 101 Freeway from Twin Rivers Ranch in Paso Robles, California, to San Francisco International Airport to catch a 4:35 p.m. flight to Frankfurt, Germany.

Official Corporate Sponsors of the USEA

Official Joint Therapy Treatment of the USEA

Official Feed of the USEA

Official Saddle of the USEA

Official Equine Insurance of the USEA

Official Forage of the USEA

Official Supplement Feeding System of the USEA

Official Competition & Training Apparel of the USEA

Official Horse Boot of the USEA

Official Shockwave of the USEA

Official Horse Wear of the USEA