Columbus, OH – Van Gundy Insurance, who has partnered with the U.S. Trotting Association providing accident insurance for drivers and trainers for more than 50 years, has announced that a rate increase will take effect May 1 but enrollment by April 1 will lock in the current, lower rates.
After April 1, all policies will be at the new 9% higher rates.
No one wants to think about the possibility of having a life threating accident, but the fact is thousands of people are seriously injured or killed every year. However, there is an accident policy available to all USTA licensed driver and/or trainers under the age of 70 that can help protect their financial needs in the event of an accident?
Van Gundy and Chubb offer an Accident Disability Income with Accidental Death and Dismemberment Insurance policy with options. The policy has two different plans with options in each plan to provide the best coverage for your individual financial needs.
“Chubb policies include accident disability, death and dismemberment benefits,” said Van Gundy Assistant Vice President Mike McNeely. “Our recommendation is the 24-hour Plan B because it offers the broadest coverage.
“We have had horsemen make claims from sports injuries like basketball and volleyball as well as for farm injuries like tractor rollovers, ATV vehicle accidents, and others not work related,” added McNeely.
The Voluntary Accident Program’s two plans are Occupational Accident and 24 Hour Accident:
Plan A: Occupational Accident:
Coverage is provided for injuries sustained in an accident only while working directly with the horse.
Plan B: 24 Hour Accident:
Coverage is provided for injuries sustained in an accident 24 hours a day, 365 days a year, on and off the job.
Both plans have Accidental Death & Dismemberment (AD&D) and Weekly Disability Income benefit limits and options within each plan. All policies are pre-paid and effective the first day of each month after the premium payment and enrollment form are received in our office.
All covered accidents have a 30-day waiting period. Payment begins on the 31st day following a doctor’s determination of temporary disability. The maximum benefit period is 52 weeks while under the care of a physician.
Plan Choices: Note: A rate increase take effect May 1, enroll by April 1 to lock in the current, lower rate!
Details below:
| Plan A: Occupational Accident Option 1: $100,000 AD&D and $300 Weekly Disability: $318 Annual Premium if paid before April 1, 2026 $360 Annual Premium if paid after April 1, 2026 Option 2: $250,000 AD&D and $500 Weekly Disability: $819 Annual Premium if paid before April 1, 2026 890 Annual Premium if paid after April 1, 2026 |
| Plan B: 24 Hour Accident Option 1: $100,000 AD&D and $300 Weekly Disability: $378 Annual Premium if paid before April 1, 2026 $410 Annual Premium if paid after April 1, 2026 Option 2: $250,000 AD&D and $500 Weekly Disability: $944 Annual Premium if paid before April 1, 2026 $1,030 Annual Premium if paid after April 1, 2026 Option 3: $250,000 AD&D and $500 Weekly Disability: $2,110 Annual Premium if paid before April 1, 2026 $2,300 Annual Premium if paid after April 1, 2026 |
Enrollment is easy, simply fill out the enrollment form and mail in with your premium payment.
For the complete Voluntary Accident Insurance Brochure – click here.
The brochure gives you an easy-to-read summary of plan benefits, pricing and information. The enrollment form is in the brochure towards the back. Fill it out and return today to enroll in coverage.
All Voluntary Accident policies are effective the first day of the month after premium payment and enrollment information are received.
For additional information, please contact Gail at Van Gundy Insurance:
Phone: (309) 452-1156 ext. 208
Fax #: (309) 452-7500
Email: gmcneely@vangundy.com
Website: www.vangundy.com