Accident & Disability Insurance is a benefit of professional level memberships for riders (any discipline), grooms, farriers, course builders, equine therapists, and professionals in equine-related fields.
Zurich Insurance is our partner in the Eventing Riders Association North America's Accident & Disability Insurance Plan which is offered at two levels. The Insurance premium cannot be prorated and runs with the membership year from December 1st through November 30th.
The Buy Up Plan: $1,000,000 of Excess Medical Coverage ($5,000 Deductible) & $600 per week disability payment, after a 30-day wait for up to 52 weeks, for accidents related to horses. Annual premium is available for $1,205.
** Buy Up Insurance Premium of $1,205 and ERA of NA Professional membership of $151, totaling $1,356
Base Plan Accident & Disability Plan: $100,000 of Excess Medical Coverage ($5,000 Deductible) & $200 per week disability payment, after a 30-day wait for up to 52 weeks, for accidents related to horses. The annual premium of $301 is included in all professional level memberships.
*Base Plan Insurance Premium of $301 and ERA of NA Professional membership of $151, totaling $452.
I was sidelined due to a severely broken humerus after a fall. ERAofNA stepped up and helped me out with outstanding bills and debts that I would otherwise be left with if I hadn't purchased their insurance. That extra weekly cash flow allowed me the time I needed to recuperate without feeling financial pressures of needing to work prematurely in order to keep afloat and run my expanding business. I would highly recommend that ANY rider AND groom invest in this insurance as it's not only an investment in your future, it's an investment in your peace of mind. Thank you ERA!"
In 2014, I sustained a traumatic brain injury after falling from a horse. I had impairments to my balance, vision, and speech. Thanks to insurance from ERA of NA, our financial burden was eased as I underwent months of therapy at Bryn Mawr Rehab Hospital here in Pennsylvania. I am still dealing with the effects of this accident but I am able to ride, train and teach, and am also enjoying raising our 18-month-old son Nox. There is always risk associated with riding and training horses, but good insurance helps you to be prepared for the worst.
I was injured in a fall in September of 2015. I was not allowed to ride for six months, for the first four months I was in a neck brace and unable to even teach. Without the ERA insurance, I do not know what I would have done. Not only did it help me with added medical expenses it took the pressure off of trying to do more than I should. And enabled me time to heal properly. Thank you to ERA.
Coverage is for professional riders, grooms, farriers and equestrian professionals who work with horses full time
Provides accidental death, dismemberment/loss of use, accident medical expense and accident disability benefits
Covers all riding and equine-related activities in the U.S. and internationally including competitions, training, practice, lessons, travel and horse care
Every ERAofNA Professional member gets the minimum coverage amount
If the member purchases the buy-up, the base plan increases from the benefits shown to the buy-up option benefits. In short, for that member, the base plan goes away and the buy-up policy takes over
Accident Excess Medical Expense – $100,000 maximum benefit w/ $5,000 deductible. Accident Disability – $200 Weekly Disability Benefit after a 30-day wait for up to 52 weeks
Accidental Death & Dismemberment/Loss of Use – $15,000 maximum amount
BUY UP PLAN:
Accident Excess Medical Expense – $1,000,000 maximum benefit w/ $5,000 deductible. Accident Disability – $600 Weekly Disability Benefit after a 30-day wait for up to 52 weeks.
Accidental Death & Dismemberment/Loss of Use – $100,000 maximum amount