How to Report a Claim:
*Any time your horse is seen or treated by a vet for anything other than routine or preventive care, it is your contractual responsibility to notify the insurance company immediately.*
Regardless of how small or inexpensive the injury or illness may appear initially, it is very important that you report the event to the insurance company for the following reasons:
A minor event may escalate into a serious, or even fatal, condition. If you do not report the initial onset of the injury or illness, your claim could be declined.
You will be required to disclose to the insurance company upon renewal if your horse was treated by a veterinarian for anything other than routine or preventative care.
Anything your horse is treated for without notifying the insurance company, whether through a covered claim or not, may be considered a pre‐existing condition and excluded. That decision is up to the underwriter and is reviewed on case by case basis.
CALL THE CLAIMS ADJUSTER
Main Number: 1-859-788-5006
www.americanreliable.com - then click on "Claims"
Main Number: 800-295-1815
After Hours/Emergency: 800-427-4876
R.J. Ketch Equine Inc: 1-800-732-6012
Main Number: 833-734-6365
Main Number: 800-783-9418
What's Not Covered?
*Please see your policy for specific exclusions*
Transportation : Veterinary travel and farm call charges are not covered.
Birth Defects : Developmental, growth, nutritional and congenital conditions, including but not limited to: cryptochid, umbilical hernia, corrective treatments for contracted tendons, or club foot.
Voluntary Surgery : Including but not limited to: correcting laryngeal hemiplegia, correcting entrapment of epiglottis, neurectomy, castration, caslicks and any cosmetic procedures.
Alternative Therapies : Including but not limited to: chiropractic, massage, acupuncture, whirlpool, treadmill, and laser and magnetic therapies. (Varies by company)
Dental Services : Unless necessitated by a visible, external, accidental and violent means injury.
Farrier Services : Regardless of whether or not medically necessitated.
Joint Treatment for Maintenance : Including but not limited to: injections of synovial fluid, simulators or replacers including corticosteroids and anabolic steroids.
Radial Shock Wave Therapy : Broad spectrum is typically covered.
Post Mortem or Necropsy Procedures : Which are almost always required when a horse dies or is euthanized.
Treatment rendered more than 90‐120 days prior to notifying the company of the condition.
(The time frame varies depending on your insurance company)
Property Loss Procedures
Prevent further loss or damage if possible
Report the loss to Corinthian and your carrier
Contact a contractor for an estimate of repairs
Contact a vendor for clean up in case of fire or water damage (if applicable)
Make an inventory of lost or damaged items
Make permanent repairs until the claims adjuster has inspected the damage
Wait to report a claim
Neglect a police report if needed
During Business Hours Phone: 1-888-325-0056
After Hours Phone: 1-800-691-4966
AIG- Private Client Group: