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Who needs insurance for their horse?

Who needs insurance for their horse? This is the question that I asked and insurance agent. What do you think he said?

I was expecting him to say “everyone” but to my surprise he didn’t.  His answer was, “If you can’t write a check to replace the horse, then you should consider insurance.”

Hum, this sounded a lot like the training I had received about insurance when I took Dave Ramsey’s Financial Peace class. And it was fairly similar to advice I have given over the years.

I have never, personally, insured a horse…but I have recommended that other people do. Why the difference?

The last person I helped walk through this decision was a lady who had been saving up to buy a really nice reining horse for several years. She purchased a horse that was ready to show for about $20,000. What she had purchased was a sane, sound and ready to show horse that had several years of training with a professional. She had also purchased a friendly, kind horse that was a joy to be around. Insurance would not be able to help her through the pain of losing her horse but it would give her the ability to purchase one trained to the same level again.

The most valuable horse I have personally owned was my stallion, Vaquero. I purchased him when he was three and he died at the age of six. I had considered insuring him but I chose not to. My reasoning was that I could not walk out and buy another one that was trained to his same level. If something were to happen to Vaquero then I knew I would be starting from scratch with another horse and would be investing years in training. Essentially, I could have insured him for his ‘raw’ value, the untrained value, but either way I was going to be putting in the time again.

I had no idea that I would lose Vaquero so young. He died in 2012 and I just now –almost -have a horse trained to that level again. Although I didn’t have insurance I did have the ‘next’ horse already standing in the barn, Newt. Insurance would have paid me for my time but nothing can help me know if the horse I am investing my time in will ever reach bridleless competition level.

Do I regret not having Vaquero insured? Yes…and no. The money would have helped pay for the vet bills that I ran up trying to save him and it would have given me the opportunity to possibly purchase another young prospect. But, there was one moment where I was very happy NOT to have insurance.

THE FOLLOWING is not a reason to skip insuring…but I do wish I had been more emotionally prepared.

When things were looking really bad for Vaquero and we were at the vets they have to try to tell you how bad it is. One of the ways they tell you is they will say, “Insurance company guidelines will allow…” and this makes sense. You don’t want vets declaring horses beyond saving…if they really aren’t. But when the vets told me that, had Vaquero been insured, the insurance company would have approved euthanizing…I remember feeling conflicted. There was a moment where I was glad that he wasn’t insured because I WANTED the feeling of loss and I didn’t want a feeling of gain. I didn’t want to wonder why I made the choice.

In hindsight this was a very emotional reaction at a very emotional time, but I am still thankful that I experienced it. I know I made the choice I would have made either way. Maybe in the future I will have an insured horse and will have to make the same decision again. I really hope I’m NEVER in that situation again though. Maybe it will benefit someone who reads this though. From my experience when the vets say it is this bad…it is bad.

The majority of horses that I have had in training over the years have not been insured. Do you have your horses insured? If so, what are they insured against?

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Vaquero after his second trip to the vet, just before his last trip to the vet.

Vaquero six months earlier.

For the rest of Vaquero’s blogs:

 
15 Comments

Posted by on December 16, 2014 in Life, Thought provoking, Video

 

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How long did you ride while you were pregnant?

“Stacy, I know you have 3 boys, and I was just wondering how long you rode while you were pregnant. Did you compete, or was it more riding for pleasure?Thanks, and I look forward to hearing your response!”-Sharli

“Stacy, Just wondering what ideas you might have for a pregnant gal to keep her horse in shape for next year. I’m 5 months along now and my husband has asked that I stay safe and do not canter or trot my horse. We do mostly gaming. If you have any ideas I would appreciate it. Thank you!”-Crystal N.

I do have three sons and I received differing advice during my pregnancies from professionals. My first advice would be to follow your doctors orders. For fun I will also recap some of what I did.Stacy Westfall's son and horse

I became pregnant with my first son in the fall. I was newly married and I had a job as a bank teller. I had recently sold my only horse (with a promise to buy him back someday) and Jesse and I hadn’t started our training business yet. This made it easy for me to not ride. The temptation of riding a horse I knew wasn’t there and I wasn’t interested in experimenting with other horses. Over that winter Jesse started riding a few horses for people and I grew restless without horses to work. I cleaned stalls, brushed horses and watched Jesse ride. That spring I trained a filly for the yearling lounge line class. I have a win photo from a show shortly after my son was born…but it is buried in my storage unit in Ohio. My Doctor recommended that I wait to ride for 6-8 weeks after my son was born so I did.

When I became pregnant with my second son we were training horses and I was staying home with my first son. I rode, with permission, quite awhile into my pregnancy. I tended to lose weight for the first three months and then it took a month or two to gain back to my original weight. It didn’t seem like a big deal to ride because all of the horses were broke (no colt starting) and it didn’t seem uncomfortable…until around 5-6 months. At that point I noticed several things. First, my balance was affected. Not huge, but it was there. Second, I could feel the supporting muscles in my stomach being stressed-especially at a lope. At the time the doctor and I were both operating under the idea that ‘if I was in shape for it, it probably would be safe’. The thinking was very similar to the runner, Alysia Montano, in California who competed while 8.5 months pregnant.

Stacy Westfall's boys ridingI was due January 1st and when the Congress entries had to be mailed in August 20th I thought it was a good idea to sign up for the Ladies Reining. Keep in mind that shortly after this is when I started to notice the symptoms above. By September Jesse was riding the horse for me most of the time and I would get on occasionally. I did show at the Congress in October and my son was born December 22. I have a photo sliding and placing at the Congress while very pregnant. It is buried somewhere in my storage unit in Ohio…but maybe it should stay there, if I remember correctly it was taken after midnight and we all look worn out, lol.

The third time was a bit more interesting because of one woman I met. My third pregnancy started out like the rest and I rode. People didn’t even know I was pregnant for quite awhile and I continued riding aged horses and showing. One day I was at a small local show and a lady walked up and introduced herself to me. She told me she was a nurse and she worked with my sister-in-law. We visited for a few minutes and then she mentioned that she had heard I was pregnant. I confirmed this and then she said, “I know it isn’t any of my business but I feel the need to tell you something. I am a nurse. I specifically work with newborns. You are an expert in the horse world and I respect that. I also would guess that, as a professional, you have seen more than most when it comes to bad things that can happen.”

I nodded in agreement. She went on, “You have probably learned both from mistakes you have made…but also from mistakes you have seen other people make.” I nodded again.

“I am asking you to consider not riding. I know it feels safe because you know the horses but think of the risk. I work everyday with children who are born premature, who are injured before they are even born. I see the problems and the pain it causes their families. If they could go back and change things they would. What if your horse trips? Just a simple trip could cost your babies life.”The barn help

As you can tell, she was very convincing. I had seen a horse trip and go down in a smooth arena, on a loose rein, for no reason and the rider suffered from a dislocated shoulder. Accidents do happen and as soon as she gave me her perspective I couldn’t erase it from my mind. I went home and didn’t ride for the remainder of that pregnancy. I still cleaned stalls and spent time in the barn. I am aware that accidents can still happen on the ground or driving in a car, but I also had two small children and when I looked at them I knew I wanted to do all I could to reduce any chance of hurting the baby I was carrying.

I believe that if I had met this lady during my first pregnancy I would never have ridden during any of them.

I wouldn’t feel bad turning my horse out during my pregnancy and accepting the idea that we could both get fit together after my baby was born. I can imagine doing groundwork once the doctor has cleared you for lifting weight, etc after the baby was born and then, when cleared by the doctor, I could see my horse getting fit along with me. Horses that are turned out will stay in shape pretty well. Another option would be to lease the horse to a friend or someone you trust. The options are almost limitless when doing this-you could choose to keep the horse at your house, you could give lessons, you could allow the horse to go to someone’s barn that you trust-the list goes on and on.

Congratulations. Enjoy this time. I loved being pregnant. Keep safe and remember there will be plenty of time for riding in the future. Getting back on after some time off is a little bit like a Christmas present to yourself.

 

 
19 Comments

Posted by on December 2, 2014 in Life, Members Question, Thought provoking

 

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