Reporting A Claim

TO REPORT A CLAIM MORTALITY, MAJOR MEDICAL OR SURGICAL CLAIMS

IMMEDIATE NOTICE must be given by you, your representative, or other persons having care, custody or control of your horse of any occurrence possibly resulting in a claim under your policy.

A professional Claims Adjuster is assigned to each policy issued by our Agency. The Claims Adjusters specific contact number is included in each binder or policy issued. Be sure to keep this number available and provide the insurance information to any boarding facility or trainer whom might be entrusted with the care of your insured horse. Of course you can always contact us at (502) 493-9911 during normal working hours or after hours at (502) 396-6292.

Procedures to follow in the event of an injury, Illness or death of an insured animal :

DO Contact your Veterinarian Immediately. Contact the Claims Adjuster or Smith-Embry Insurance Associates, Inc Provide insurance policy number if possible. Provide name of attending veterinarian and telephone number. Provide location of horse and contact name and telephone number. Provide details of illness or injury and treatment given by your Vet. Report as soon as possible any medical treatment required as a result of an injury or illness. Notify the Claims Adjuster or Smith-Embry Insurance Associates, Inc. prior to any surgical procedure whether elective or not, including castration. Failure to notify us could jeopardize your insurance coverage.

Arrange for an autopsy on any deceased animal as autopsy results are a requirement of all mortality policies. Contact police authority in the event of theft, shooting or vehicular involvement

DON'T

Have an insured animal put down without the consent of the insurance company. Have an insured animal removed prior to performance of an autopsy. Neglect to file a police report in the event of theft, shooting or vehicular involvement.

Have surgery performed on your insured horse without first notifying the Claims Adjuster or Smith-Embry Insurance Associates, Inc.

Major Medical/Surgical Claims If your insurance policy includes the major medical and/or surgical coverage, you are required to immediately report any incident to the Claims Adjuster or Smith-Embry Insurance Associates, Inc. Late reporting of any such incidents could jeopardize payment under the terms of the policy. This includes even if the medical charges do not exceed the deductible applicable to this coverage.

Procedures for major medical/surgical claims:
You will be responsible for the charges from your veterinarian or equine clinic or hospital. The insurance company will obtain a report from the attending veterinarian providing details of the medical treatment and diagnosis of the injury or illness.

You will submit the bills for medical treatment or surgery to the insurance company adjusters. The insurance company will reimburse you for covered charges in accordance with the policy conditions less any applicable deductible.
If the medical treatment is ongoing, you can submit bills to the company as they are received and payment will be made to you for the bills submitted.

Emergency situations should be reported immediately. Non-emergency situations should be reported as soon as possible during normal working hours.

Be sure to call these procedures to the attention of anyone having care or custody of your insured animal. Failure to comply with claims procedures could void your insurance claim.

If Your Policy Is Written With Diamond State Insurance Co. or National Insurance Co.
Immediately contact:

If your policy is written with The Lexington Insurance Company or QBE International, contact:

Immediately contact:

Independent Adjusters Toll Free (888) 523-5878
Or (502) 839-6001

If your policy is written with American Bankers Insurance Company of American Reliable Insurance Company,

Immediately contact:
Toll Free (800) 224-4170