Why is this treatment for something my horse has had not covered by the insurance?
I wrote a blog post similar to this awhile back. Horse insurance is different from the medical insurance we get for ourselves. The biggest way it is different is that it only covers an injury, lameness, accident, sickness or disease that "occurred or commenced" or "first occurring, first sustaining, first contracting or first manifesting itself" or "first sustained, first occurs or first manifests" during the policy period (taken from the 3 carriers I use most often). What
What is the role of your insurance agent?
Recently a client left my agency because of the "way I handled a claim" for someone she knew. And so that got me to thinking that people don't really understand the role of an agent. In this situation, I was taken off guard because the person who had the claim had never let me know there was a problem with coverage for the claim even though I had asked them to keep me updated because I wasn't sure if the claim would be covered due to late reporting. And the other reason I w