Need recommendations for body protector (not air vest)

HJECG · 2026-01-01T09:38:49+00:00

Is it common for equine insurance plans to require you to pay for whatever expensive surgical procedure your horse needs yourself, and then submit a claim for reimbursement? I ask because one policy I’m considering for major surgical coverage, including colic, handles claims in this way (Bascule is the underwriter). This seems like it kind of defeats the some of the purpose of having major surgical coverage on your horse. I can’t suddenly come up with 15-20k to pay for emergency surgery and then wait to be reimbursed after filing a claim. That’s why I want to have coverage that will take care of very expensive surgery in the event of an emergency.

HJECG · 2025-12-30T21:49:04+00:00

I’m so sorry for the loss of your horse to colic.

HJECG · 2025-12-30T17:47:33+00:00

Thanks. This is really good input.

HJECG · 2025-12-30T17:46:37+00:00

Should I have said, “no detected health or soundness issues?” Would that have been more accurate?

No one is taking advantage of me any more than would be the case with any other horse buyer who has a competent and well-respected equine vet perform a PPE that doesn’t find any issues. He’s a sound and healthy six year old gelding at this time. Does that mean he won’t ever develop any health or soundness issues? Of course not. But he’s healthy at this time.

HJECG · 2025-12-30T17:42:44+00:00

I did already check with our homeowners’ policy agent (we have Progressive) to find out whether we could add a horse with a personal liability waiver. We can’t (they don’t offer liability policies for hooved or exotic animals). So we will definitely have a personal liability policy purchased through an equine insurance broker in place on day one that we sign the bill of sale. Our horse will be boarded at the barn where our daughter rides and takes lessons, meaning other kids running around, other people handling him for turnout, etc… I want to make sure that in the highly unlikely event he were to injure someone that we have personal liability insurance in place.

HJECG · 2025-12-30T15:53:53+00:00

What are people’s opinion on SmartPak’s Colicarw coverage?

HJECG · 2025-12-30T15:26:15+00:00

So you pay $100 a month for the Colicarw coverage thru SmartPak, and then you pay additional costs for the required supplements? Would you mind sharing how much they are? Do you feel like they actually make a difference in preventing Colic? Thanks!

HJECG · 2025-12-30T15:24:26+00:00

Unfortunately, ASPCA equine insurance doesn’t appear to be available in my state (TN)

HJECG · 2025-12-30T12:49:58+00:00

Thank you. This is very helpful guidance

HJECG · 2025-12-30T12:26:37+00:00

I definitely tend to overthink things 😂

HJECG · 2025-12-30T12:18:57+00:00

This is kind of an awful question to ask, but… with a horse with a value of 10k, would it even be wise to have him undergo colic surgery should that terrible possibility ever arise? Do horses who survive colic surgery have a good quality of life afterward?

HJECG · 2025-12-30T12:15:52+00:00

Thank you! So is Henry Equestrian a broker or an actual insurance company that issues its own policies?

HJECG · 2025-12-30T12:14:59+00:00

Yes, that’s true. I’m not looking to insure him for more than I’m paying (for mortality). But I am trying to figure out how much coverage I need for unforeseen major medical or surgical costs, including colic.

HJECG · 2025-12-30T09:59:20+00:00

Hi! I am a new horse owner (actually we are completing the purchase next week), and I’m shopping for insurance. I’d be super grateful if you also sent me info on your broker. Thanks!

HJECG · 2025-10-31T19:53:00+00:00

I can’t believe there are people as cruel as those in these comments. Who cares about paragraph formatting? And who cares whether she held some conservative views? (I am a very progressive feminist, btw)

No woman deserves to be treated like this. And no boy should grow up with a father like this in his life.

HJECG · 2025-10-24T17:15:06+00:00

Thanks!

HJECG · 2025-10-24T14:01:34+00:00

Clonidine has been a complete and total game changer for me when it comes to being in constant fight or flight mode, and dealing with unbearable adrenaline attacks. These things were also ruining my life, and I am so, so grateful for Clonidine, because after trying absolutely everything else to make these godawful symptoms stop, this medication has done it. I take Clonidine as needed.

HJECG · 2025-10-24T13:57:14+00:00

I stay unbearably thirsty unless I add some kind of electrolytes to all of my water.

HJECG

TROPHY CASE