Roger Peters Livestock Insurance
Each of us is feeling
the “crunch” of this situation- cutting back on some of our expenses is
one way of easing our burden. However, insurance is never a wise place
to cut back. Whether it is on your health insurance, car insurance,
homeowners insurance or even you’re horse insurance. A total loss in any
of these areas could be not only financially devastating but emotionally
devastating as well.
The vast majority of my clients are hard working-family oriented- middle
class people. In order to own their beloved horse they have borrowed
money from the bank to purchase it, or maybe the horse is the love of
their life and their link to sanity in an insane world. Their horse is
as much a part of their family as any human. The #1 cause of death to
insured horses is colic. This condition knows no boundaries. Not age,
not extra special care or even prayer will spare a horse from this
unpredictable and many times deadly condition.
You may not be able to protect yourself from the emotional pain of a
loss- but you certainly can protect yourself from the financial
devastation it could certainly cause you. Leaving you, “paying for a
dead horse” and unable to replace it because of the monetary situation a
loss would cause.
Imagine walking out into the barn one morning to feed and finding your
horse unable to stand up. He is colicking-- or worse yet-- he is
already gone. Two phone calls and of course a few prayers will help you
get thru this. First you call your vet so, hopefully, he can save your
horse with treatment or surgery. The second call is to your insurance
company or agent to report the situation. Now your horse and your
financial situation both have a fighting chance.
The cost of protecting your investment could have been as little as
$500.00 per year. This would have allowed you a return of $5,000 if your
horse died as well as an allotted amount of $7,500 to do the colic
surgery. Do you think if you could have seen into the future that you
would not have found a way to pay that $450.00??? Of course you would
have. That is why they call hindsight 20/20. It all becomes so clear
when you are in a position like this.
So please, the next time you think that you ca not afford $1.66 a day
to protect your friend, companion and four legged family member… think
again! Simply pick up the phone-make a free call to our office-
1-800-228-8664 and ask for Conni or Stacy. We have loved insuring
America’s horses for over 37 years and we will certainly know how to
help you. As horse owners, we know all about loving our animals!
Horse Insurance Policies Offered
Mortality/Theft & Limited Colic Surgery Endorsement
Livestock Mortality is a Life Insurance policy for your horse, with you
as beneficiary. It is an "All -Risk" policy, which will cover death from
any cause, subject to certain exclusions, which are stated in the
We will also pay you if your horse is stolen.
We will pay the actual value of the horse at the time of the accident or
illness causing its death, not exceeding the value specified in the
schedule. If your horse is sick or injured during the policy term You
Must REPORT the sickness or injury to the company prior to expiration
date of your coverage. In doing so, you will trigger a 12 month
extension of the Mortality coverage should the horse die within that
time from that reported cause.
When you call Roger Peters Livestock Insurance, Inc., ask your agent
about other optional coverages available for an additional
premium. We offer FREE EMERGENCY COLIC SURGERY to 3,500.00 depending on the company.
Talk with Conni or Stacy.
Major Medical Endorsement
This insurance reimburses
the veterinarian's fees for surgery, major illness and disease. We will
pay reasonable and customary charges necessitated by accident, injury or
illness for your insured horse. We have various limits premiums and deductibles for the major medical insurance. We feel do to the high costs of veterniary expenses and unforseen events related to the health of your animal that you should seriously consider adding this coverage to your full mortality and theft policy. This is optional coverage but please call our office and talk to Conni or Stacy so we may together determine your needs. 1-800-228-8664.
Surgical Only coverage available with a minimal deductible. Coverage is
for the actual cost of the surgery and will pay up to 50% of that amount
for non-surgical charges.
Loss of Use Endorsement -
your horse becomes totally and permanently incapable of fulfilling the
functions for which it is used, as stated on your policy, but its
condition does not necessitate destruction for humane reasons, you may
suffer a financial loss. The Loss of Use extension will pay you a
percentage of the animals insured value. Full X-ray reports and
soundness exams are required for approval at the inception of this
endorsement. Ask your agent for a full explanation of this coverage.
Equine Personal Liability
In the event your horse injures a third party or damages their property,
this policy provides coverage for defense fees and pays claims for which
you are legally liable during the policy period. Ask your agent for a
full explanation of this coverage.
Accident, Sickness and Disease
Available on PROVEN Breeding Stallions only.
This coverage provides you payment of the insured value of your
Stallion, if during the policy term he becomes PERMANENTLY impotent,
infertile or incapable of servicing mares due to an accident, sickness
or a disease. Talk to your agent for more details.
As a seasoned, career horse insurance agent,
if I could stand at the highest point in the world and scream out one
piece of advice about horse insurance coverage for all policy holders to
hear and heed to it would be "If your horse is sick or injured bad
enough to call your vet, you must call your insurance company!"! It is
so simple, yet when the client does not follow this one simple step,
they run the risk of jeopardizing their insurance coverage. With each
insurance policy our office mails to the client, we attach a brightly
colored card with the 24 hour toll-free phone number to call in the
event your insured animal becomes sick, injured, or dies. I already know
what many of you are thinking, "Well, if I call this into the insurance
company they won't renew my coverage, or my rate will go up next year.?
This thought is absolutely not true.
Very few of us read our insurance policies,
we stick them in a file and forget about them. I would like to take this
opportunity to inform you of some of the conditions of the insurance
policy that you, the horse owner did not make that one simple call to
report their animal was under a vet's care.
A livestock mortality policy is a "term
policy". Which means it is written for a one-year term only, renewable
on a healthy horse. Each year, the company and the agent must review the
insurability of the animal. If the horse has sustained an illness or an
injury and you have in fact made that report to the insurance company,
you will trigger what is called a 12-month extension of coverage. This
means if your horse should die or have to be humanely destroyed due to
the same reported problem during a full 12-month period from the
expiration date of your coverage the company will pay the claim under
this extension. Decide not to make the call and you will not have the
benefit of the 12 month extension of coverage under the mortality
portion of the policy.
You may ask yourself:
Do I call if my horse is lame? Yes.
Do I call even if I have not bought the major medical - surgical? Yes!
Do I call if my horse has a little colic? Yes
Do I call if my horse has a hoof absess, has a little colic, is being
treated for epm, has an infection? Yes. Absolutely.
When don't I need to call? Only when
normal care and maintenance are going on with your horse. Shots,
floating teeth, hock injections (for maintenance only.) But if you are
injecting the hocks due to a lameness you need to call the company if
nothing else, please at least call your agent and talk to him or her
about the situation. Let the agent help you. It is our job. My office
enjoys the opportunity to better inform our clients. It makes for a much
easier claim situation if your hoses condition would get worse. The
insurance adjuster will remain in contact with you and your vet until
the horse is released from the vets care.
There are a few very good reasons for
this condition in your policy.
- As the insured, you must do
everything the Vet tells you to do, regardless of cost, to treat
your insured horse. If an insured horse dies as a result of not
receiving the proper treatment, the company can deny your claim.
Reporting a problem at the time it occurs will allow the insurance
company and the vet to remain in contact.
- If you have been treating your
horse for a problem and suddenly the condition worsens and the horse
needs to be humanely destroyed you will be able to do this in a
timely manner as the insurance company has been following the
condition with you and the vet from the very beginning. If agreed
between the insurance company and the Vet, permission will be
granted by the company for the animal to be humanely destroyed. A
current file between these two parties will make this process much
easier and your animal will not have to suffer any longer then it
- Last, if you do not report a
condition, you do not receive the 12 month extension of coverage
under the mortality portion of your policy. This is a benefit to
you. Use it.
I can speak about this important policy
condition due to a great deal of experience. Our agency, Roger Peters
Livestock Insurer, Inc opened its doors in the 1970's, Back when we did
not have hock injections, epm, major medical and successful colic
surgeries. Much as changed in the 27 years I have run this horse
insurance agency for my father, Roger Peters. But some things remain the
same. When you call my office you will get a friendly, real person. Not
a menu of options. We have immediate binding authority. We keep things
simple and easy to understand. We currently have office in Texas and
Nebraska. We are extremely proud of the reputation within the Horse
Insurance Industry as well as our long term relationship with our A+
rated companies. Roger Peters is one of the pioneers of the horse
insurance industry still competing in the cutting pen in his retirement.
Honesty is paramount in this office. You may not always like what our
agents tell you about the way an insurance policy is written, but it
will be the truth and not what you want to hear in order to entice you
to do business with our agency. In the rush of today's business world if
you can offer personal attention, sincere concern, knowledge of your
product and honesty I feel you have what it takes to b around for a very
long time. Roger Peters Livestock Insurer, Inc. offers all of this and
more. I know, I have been here over half of my life and enjoy my job
Please give us a call when your current
policy renews or if you just simply need to visit with a professional
about your horse insurance. Ask for Conni or Stacy. 1-800-228-8664.
Or if you would like to work with our
agents in Texas call Dixie at 800-801-9882 or Justa at 817-597-8127.
And please, one last time, if your horse
is sick or injured bad enough to call the vet, he is bad enough to call
your insurance company.