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msar-riders - Re: [MSAR] Horse insurance

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Subject: Mounted search and rescue

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Chronological Thread  
  • From: "David Leadbetter" <dleadbetter1@aapt.net.au>
  • To: "Mounted search and rescue" <msar-riders@lists.ibiblio.org>
  • Subject: Re: [MSAR] Horse insurance
  • Date: Sun, 11 May 2008 17:27:44 +0800

In western australia the mounted section sar is part of the state emergency service [S.E.S] .Our horses are covered for all vet expenses incurred while on duty including travel to and from.Horses are also covered for an agreed sum on death or total disableing injury.
 
linda l----- Original Message -----
Sent: Sunday, May 11, 2008 8:01 AM
Subject: Re: [MSAR] Horse insurance

Our insurance carrier (VFIS) covers everything but the horse itself is problematical.  Our coverage include equipment usually brought to a mission by a member with the exception of vehicles (which are covered by the owner), airplanes, and boats with over 100 horsepower.  This means that radios, tack, GPS’ owned by us or members and brought to a scene (live mission, training, or other official act) is covered. 

 

I personally carry mortality insurance which includes surgical and liability, both primary and secondary, on my mount.  As he approaches 20 years old it will become difficult to get mortality insurance.

 

Pennsylvania classifies search animals used by organized and recognized search groups as police animals, including horses.  By statute, any person convicted of harassing a police animal at any time is responsible for restitution to the owner/agency for all costs to restore the animal to service or to replace the animal in kind.

The statute specifically includes vet bills, lost time of the human partner and any costs to cover his position, training or retraining, the cost of a replacement, and replacement equipment. 

 

My first horse cost $750 including tack, my current mount cost $1300 and is insured for $3000 agreed value. The insurance carrier classifies him as a pleasure horse, no jumping.

 

Irv Lichtenstein

Chief of Operations

SE PA SAR

 


From: msar-riders-bounces@lists.ibiblio.org [mailto:msar-riders-bounces@lists.ibiblio.org] On Behalf Of Lois Guyon
Sent: Saturday, May 10, 2008 5:43 PM
To: msar-riders@lists.ibiblio.org
Subject: [MSAR] Horse insurance

 

We have a new MSAR unit forming in the Chicago, IL area.  They contacted me to see what we do about horse insurance.  Their people will be covered by the governmental unit they are attached to, but they wonder if there is an issue about horse insurance.  I do not remember that we have ever talked about horse insurance.  People yes, but not horses.

 

Our unit has never addressed the horse insurance issue.  Have any of you?  I have always presumed that if my horse were killed or injured in the line of duty, I would have to consider it a “donation” to the cause.  My MSAR horse that cost $900 when horse prices were high has had colic surgery to the tune of over $7,000.  However,  I do not think of this horse as an economic asset.  Yet, to replace my MSAR horse with one trained to the same extent would probably be close to $12,000.  At least that is what one trainer in KY was asking for 4 year old, fully trained police horses. 

 

 

Lois Guyon

 


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