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June/July 2009 Newsletter
Introducing: Ladies Night at River
Ridge!!!
When: Friday June 12th 6pm-until…
What: A one hour group riding lesson- this session will
be Yoga on Horseback with Music, followed by an
evening at John’s Bier Deck on the Washington
riverfront!
Who: “Fillies” of River Ridge ONLY- No boys or
kiddos!!
Hosts: Tiffany and Halley
Cost: $20 per person
Spots and horses are limited so RSVP ASAP 636-584-0121
New Faces at River Ridge Stables….
Congrats to Keith Ranek and his daughters Summer and Sophie on their purchase of “Tucker”!
(pictured above with Cindy.)
Welcome to new boarder
“King” and his owner
Jenny Covert.
…And to “Teddy” and his
owner Michelle Begley.
Pictured here with daughter
Macey.
River Ridge Stables is a charming private farm in Union, MO that offers a serene and inviting environment for horse
owners and their horses to bond and accelerate their abilities. We strive to offer the cleanest and most safe home for
horses and a place to enjoy our unique countryside. The farm is owned by Neil and Tiffany Kinser.
www.river-ridge-stables.com 636-584-0121
River Ridge Riders Club Photos…
Left: Meghan Clark was the
victor of our “Mock Easter
Egg Hunt”. She took home
horse magazines, splint
boots, and horsey light
switch covers.
Right: Mariah getting a spa
treatment from Meghan,
Dylan, Shannon, and River.
Show Stoppers!
Hobo Junction brought home the blue at the May 9th Queeny Park Dressage
Schooling show in his very first test under Halley Richards with a score of 73.5%
from judge Cheryl Holekamp. Hobo is owned by River Ridge and gives beginner
through advanced lessons. He is regretfully offered for sale. Call 636-584-0121
for more info and pricing.
Summer Camp
There are still a couple spots left for Summer Camp at River Ridge for the following sessions:
July 6th-10th and August 3rd-7th. Don’t miss out!! Please call for more info: 636-584-0121.
Marketplace
Seven Point Nine
16.2 hand 7 year old TB Gelding $7,500
Seven is one of the sweetest and most lovely geldings around. He is very quiet and calm, but
works hard when asked as he is very athletic. He collects and brakes nicely and has smooth
transitions and flying lead changes. He is currently jumping 2'6" courses and will start showing
this summer. Right now he can go in many directions- eventing/dressage/hunter/jumper. No
medical or soundness issues whatsoever. Used in beginner through advanced lessons. Payment
plans considered with board.
Boone
14.2 hand 13 year old QH/Arab Gelding For Lease- $150 per month
Tonya
14.3 hand 15 year old
Arabian Mare. Great
Bloodlines. Call for Price
Mariah
14.2 hand 10 year old TB/QH/Paint Mare For Lease- $150 per month.
Options in Basic Equine Insurance an injury leave him permanently unable to perform in the
discipline identified in the policy. For instance, if an
Major medical? Surgical? Mortality? Sure equine
injury ends a jumper's career the owner may collect up
insurance can offer peace of mind to the horse
to 60 percent of the horse's insured value. But be sure
owner, but what does it all really mean? And can I
to read the fine print: Many loss-of-use policies give the
afford it?
insurance company the right to take possession of the
By Gretchen Ditto
horse after paying a claim. Others offer two choices: a
The basic types of coverage purchased by most horse
higher reimbursement if the insurer keeps the horse or
owners are mortality and major medical policies, which
a lower reimbursement if the owner keeps the horse.
roughly correspond to life and health insurance for
Medical And Surgical Insurance
people. Generally, mortality insurance reimburses a
Technological advancements are having a tremendous
horse owner if the horse dies. Depending on the policy,
impact on equine health care, but the costs of certain
the owner may receive payment for the full or partial
treatments can be prohibitive. An insurance policy may
value of the horse. Medical and surgical policies cover
help you avoid the heartbreaking decision of whether
the costs associated with treatment of an injury or
you can afford the veterinary measures that could save
illness. An owner can purchase mortality coverage alone,
your horse's life. As the name suggests major
but medical and surgical policies are generally available
medical/surgical insurance covers medical and surgical
only in combination with mortality.
treatment for illnesses and injuries that occur during
Mortality Insurance
the insurance policy period. Some companies describe
Every horse has value. Though not pleasant thought, it's
their coverage simply as "major medical," but it often
important to consider what it would cost to replace
includes surgery as well. Typically, the coverage includes
your horse if he should die. Are you prepared to pay the
diagnostics, medications, surgery and postoperative
cost yourself, or do you need an insurance policy that
care. Medical/surgical policies usually do not cover
will help to bear the burden? Most mortality policies
routine care such as vaccines and dental treatment, nor
cover virtually any cause of death, including natural
do most policies cover elective or cosmetic surgeries or
occurrences such as colic as well as fatal injuries
treatment for developmental or congenital birth
resulting from accidents, fire, lightning and other
defects. Alternative therapies, such as chiropractic,
causes. Frequently, humane destruction and theft
acupuncture or magnetic therapy, are often excluded
are also covered. Some policies even protect against
from policies, but some companies review such
freak accidents, like a horse being fatally injured by
treatments on a case-by-case basis. Other exclusions
wild dogs or by falling debris from an airplane. Although
are pretty commonsense; for example, don't expect
age limits vary by provider, full mortality coverage
reimbursement if someone other than a certified
normally is available to horses as young as 24 hours and
veterinarian performs surgery on the animal.
as old as 17 years. When evaluating a policy make sure
Weighing the Costs
the exclusions are clearly spelled out. A company might
Whether you buy mortality insurance alone or in
be reluctant to pay, for example, if a horse dies due to
conjunction with medical/surgical insurance, your annual
real or perceived negligence or other human error.
premiums will vary depending on your horse, your
Another consideration in choosing a mortality policy is
location and the terms you choose. For mortality
the amount of coverage you actually need. You can
coverage you can generally expect to pay premiums of
insure up to 100 percent of the value of your horse, but
anywhere from 2.5 percent to 4 percent of the horse's
obviously, the more expensive the horse, the higher the
value. That means, for example, that the cost of the
premiums will be. Rates depend on several factors,
annual premium to insure a horse valued at $7,000 will
including the horse's current value, age, sex, breed and
likely be between $220 to $280. Obviously the lower
discipline. For most owners, value is the one variable
the declared value of the horse being insured, the lower
that is the most difficult to determine. Basically the
the premiums, and vice versa; however, many providers
question you want to answer is "How much would it cost
charge a standard $150 minimum for mortality policies.
to buy another horse similar to mine?"
Adding major medical/surgical insurance to your
Loss of Use
mortality policy generally means that you'll pay an
A variation on mortality coverage is called "loss of use,"
additional flat fee that is based on the coverage limit
which pays a percentage of the horse's value should
and the amount of the deductible, the sum you must pay
if you make a claim. Plan on spending an average of $150 rates determined by the coverage limit (typically
to $250 per year in addition to the mortality premium. $5,000 to $10,000), the deductible (typically $150 to
Most providers offer several different major $250), and the details of the
medical/surgical policies, which are available for flat
coverage. Cost does not vary for each particular horse, a been paid. It's water under the bridge. But most horse
does with mortality policies. You can save money on owners I know would spend their last dime to give their
medical coverage by opting for a slightly cheaper horse the medical care that could save his life." Some
"surgical-only" policy, which typically covers only the owners will decrease the horse's insured value as he
costs of surgery am postoperative care. These policies gets older because they want to be able to purchase
frequently will not cover any diagnostic work or hospital major medical coverage but feel they don't need as
costs that occur before surgery. Surgical-only policies much mortality coverage. However much the premiums
are not as common as major medical, simply because the might be, they're still much cheaper than buying a new
coverage is not as broad, and the cost savings often are horse or paying for major surgery. "A lot of people think
minimal. American Equine Insurance Group, for example, insurance is more expensive than it really is," says Andy
sells its major medical/surgical coverage only $50 more Beauchamp of Equine Insurance Specialists in Muncie,
than its surgical-only policy. Many people also save Indiana. "If you purchase the minimum mortality
money by purchasing mortality coverage for less than coverage, which costs $150, along with major medical
the full value of their horses. "I always insure my insurance for $150, you're paying only $25 per month -
horses, but my main concern is the medical benefits, not less than a dollar a day."
the mortality" says Debbie Rosen, an eventing Gretchen Ditto specializes in freelance writing and
competitor and trainer based in Agoura, California. "Full- corporate communications. She lives in Thousand Oaks,
value mortality is cost-prohibitive for me, but I insure California, where she does a little eventing in her spare
for less than full value on mortality because I want the time.
medical and surgical coverage. I never want to be in a This article first appeared in the May, 2000 issue of
position of having to put a horse down simply because I EQUUS magazine.
can't afford the treatment that might save
him" This attitude isn't uncommon, says Rich Maggard of
West Coast Equine Insurance Services in Central Point,
Oregon: "Some people can accept the financial loss of a
horse's death, thinking that it's money that's already
Upcoming Events
June
1 thru 5 River Ridge Stables
Summer Camp #1 !!!!!!!
6 & 7 - Missouri Mounted Shooters
4 thru 6 - Heart of America Walking Horse 6 - GWHA All Breed Show, 6pm Hawk Point, MO
Show. Lincoln County Fairgrounds, Troy, MO 314-780-4211
Ozark Empire Fairground, Springfield, www.gwha.org
MO. 7 - Jugtown Colts Open Fun Show, 1pm
www.ozarkempirefair.com 6 - Hartville Hunter/Jumper Show (Rain Calhoun, MO
date 6/13) calhounhorseshow.weebly.com
5 thru 6- St Jude Benefit Horse Hartville, MO
Show/Clinic/Trail Ride. www.smhja.org 12- Ladies Night at River Ridge
Owensville, MO. 800-747-8907 12 - MTR Speed Show, 8pm
6 - Sullivan Saddle Club Open Show, 3pm Missouri Trail Riders Arena, Winfield, MO
5 thru 7 - St. Louis Area Dressage Show. Sullivan, MO www.gwha.org
National Equestrian Center, Lake St. Louis, www.sullivansaddleclubsite.com
MO 12 thru 14 - Missouri Reining Horse Assoc.
www.thenationalequestriancenter.com 6 - Cabool Saddle Club Fun Show, 5pm Wildslide
Cabool, MO National Equestrian Center, Lake St. Louis,
6 - Relay For Life Trail Ride and Play Day caboolsaddleclub.homestead.com MO
Benefit www.thenationalequestriancenter.com
Fischer Stables, Sedalia, MO
www.fischerstables.com or 660-829-4677
13- St Clair Saddle Club Central 4D Barrel Therapeutic Classes Offered www.safesaddleclub.com
Race. Warrensburg, MO
www.stclairsaddleclubsite.com www.goldencircle.org or 660-624-3026 27 - Gateway Saddle Club Show, 2pm
Lincoln County Fairgrounds, Troy, MO
13 - Shiloh Saddle Club Show, 11am (Rain 20 - GWHA All Breed Show, 6pm www.gatewaysaddleclub.com
Date June 27th) Lincoln County Fairgrounds, Troy, MO
Hallsville Fairgrounds, Hallsville, MO www.gwha.org 27 - Sho-Me Horse Show Circuit
www.shilohsaddleclub.com or 573-289- Fischer Stables, Sedalia, MO
1592 20 - God's Green Acre Association Horse www.fischerstables.com or 660-829-4677
Show, 4pm
13 - Roping Summer Buckle Series Hillsboro, MO 27 - Peculiar Tenderfoot Saddle Club Show
Warrenton, MO www.ggaa.org or 636-944-3935 Series
www.meltonfamilyrodeo.com or 636-262- Peculiar, MO
1854 20 - MMSHA Show www.peculiarsaddleclub.org
Safe Saddle Club, Safe, MO
13 - MMSHA Show, 5pm www.mmsha.com 27 - Competitive Trail Challenge to benefit
Union Saddle Club, Union, MO Tiny Timbers Horse Rescue
www.mmsha.com 20 - Humansville Youth Rodeo Anderson, MO
Humansville, MO 417-436-4992
13 - FMSFQHRA/Sho-Me Combined Contact Jerry Baker for more info: 417-
Show 754-8396 27 - Missouri Haflinger Show
Fischer Stables, Sedalia, MO Boone County Fairgrounds, Columbia,
www.fischerstables.com or 660-829-4677 20 - Open 4D Barrel Race, OHBA and MO
BBR sanctioned, 6pm 573-985-7132
13 - Rolla Saddle Club Fun Show, 2pm Licking Saddle Club, City Arena, Licking,
Rolla, MO MO 27 - Owensville Horse Auction
www.rollasaddleclub.org www.lickingsaddleclub.weebly.com or 573- Owensville, MO
889-9445 573-437-5360
13 - Holden Saddle Club Fun Show, 5pm
(Rain Date 6/20) 20 - Richland Saddle Club Fun Show, 7pm 27 - Mid Mo Show, 6pm
Holden, MO Richland, MO Rolla Saddle Club Arena, Rolla, MO
holdensaddleclub.tripod.com 573-736-5533 www.rollasaddleclub.org
13 - Jefferson County Trail Riders Show 24 - Sullivan Saddle Club All Youth Show, 28 - Barrel Racing Summer Buckle Series
Grubville, MO 6pm Warrenton, MO
636-586-6939 Sullivan, MO www.meltonfamilyrodeo.com or 636-262-
www.sullivansaddleclubsite.com 1854
13 thru 14- International Buckskin Assoc
Show 24 thru 28 - US Pony Rally 28 - Mid Rivers Saddle Club Point Show
Cleveland, MO. www.smbha.com Midway Expo Center, Columbia, MO Therapeutic Horsemanship, Wentzville,
www.midwayexpo.com or 573-445-8338 MO
13 & 14 - Missouri Paint Horse Show www.midriverssaddleclub.com or 636-299-
Boone County Fairgrounds, Columbia, 25 - Sullivan Rodeo 2530
MO Sullivan Saddle Club, Sullivan, MO
www.missouripainthorseclub.com or 573- www.sullivansaddleclubsite.com
896-4016
26 - MTR Speed Show, 8pm
13 & 14 - SMBHA Show Missouri Trail Riders Arena, Winfield, MO
Lone Wolf Arena, Cleveland, MO www.gwha.org
showmebuckskin.tripod.com
27 - Roping Summer Buckle Series
14 - Barrel Racing Summer Buckle Series Warrenton, MO
Warrenton, MO www.meltonfamilyrodeo.com or 636-262-
www.meltonfamilyrodeo.com or 636-262- 1854
1854
27 - MTR Pleasure Show, 6pm
17 thru 20 - Missouri State High School Missouri Trail Riders Arena, Winfield, MO
Rodeo Finals www.gwha.org
Boone County Fairgrounds, Columbia,
MO 27 - Shadowbrook Hunter/Jumper Show
www.mhsrodeo.com (Rain date 7/18)
Fair Grove, MO
20- St Clair Saddle Club Fun Show. www.smhja.org
www.stclairsaddleclubsite.com
27 - Safe Saddle Club Fun Day, 6pm
20 - Golden Circle Horse Show - Safe, MO
July
6 thru 10- River Ridge Stables
Summer Camp #2 !!!!!!! 18 - Lincoln County Semi-S Show
11 - Jefferson County Trail Riders Show Lincoln County Fairgrounds, Troy, MO
Grubville, MO 636-586-6939 www.gwha.org
4 - Cabool Saddle Club Fun Show
Cabool, MO 12 - Barrel Racing Summer Buckle Series 18 - MMSHA Show
caboolsaddleclub.homestead.com Warrenton, MO Green Acres Arena, Rolla, MO
www.meltonfamilyrodeo.com or 636-262- www.mmsha.com
4 & 5 Show Me Little Equine Horse Show 1854
Boone County Fairgrounds, Columbia, 19 - Jugtown Colts Open Fun Show
MO 12 - Mid Rivers Saddle Club Blue Bunny Calhoun, MO
www.showmelittleequineclub.com Day calhounhorseshow.weebly.com
Therapeutic Horsemanship, Wentzville,
July 10-11 American Family Rodeo Assoc. MO 19 thru 26 - POA International Show
St Clair, MO. www.midriverssaddleclub.com or 636-299- National Equestrian Center, Lake St. Louis,
www.stclairsaddleclubsite.com 2530 MO
www.thenationalequestriancenter.com
10 thru 12 - Dressage Show 14 - Lincoln County Youth Show
Midway Expo Center, Columbia, MO Lincoln County Fairgrounds, Troy, MO 20 thru 26 - Boone County Fair and Horse
www.midwayexpo.com or 573-445-8338 www.gwha.org Show
Boone County Fairgrounds, Columbia,
10 thru 12 - Equine Productions Hunter 15 - Lincoln County Speed Show MO
Jumper Lincoln County Fairgrounds, Troy, MO www.boonecountyfairgrounds.com or 573-
National Equestrian Center, Lake St. Louis, www.gwha.org 474-9435
MO
www.thenationalequestriancenter.com 15 thru 18 - Central States Horse Show 20 thru 26 - Pat Parelli Clinic
American Royal, Kansas City, MO American Royal, Kansas City, MO
11 - Sullivan Saddle Club Open Show www.americanroyal.com www.americanroyal.com
Sullivan, MO
www.sullivansaddleclubsite.com 16 - Lincoln County Western Show 23 thru 26 - Midway Quarter Horse Show
Lincoln County Fairgrounds, Troy, MO Midway Expo Center, Columbia, MO
11 - GWHA All Breed Show www.gwha.org www.midwayexpo.com or 573-445-8338
Lincoln County Fairgrounds
Troy, MO 18 - Golden Circle Horse Show - 24 - MTR Speed Show, 8pm
www.gwha.org Therapeutic Classes Missouri Trail Riders Arena, Winfield, MO
Warrensburg, MO www.gwha.org
11 - Clinton County Horse Show www.goldencircle.org or 660-624-3026
Plattsburg Saddle Club Arena 25 - Roping Summer Buckle Series
Plattsburg, MO 18 - 2nd Annual St. Clair Saddle Club Warrenton, MO
816-539-0213 Auction & Dance, www.meltonfamilyrodeo.com or 636-262-
St. Clair, MO 1854
11 - Shiloh Saddle Club Show www.stclairsaddleclubsite.com
Hallsville Fairgrounds, Hallsville, MO 25 - MTR Pleasure Show, 6pm
573-289-1592 or 18 - Whatever It Takes Benefit Show Missouri Trail Riders Arena, Winfield, MO
www.shilohsaddleclub.com Sullivan Saddle Club, Sullivan, MO www.gwha.org
www.sullivansaddleclubsite.com
11 - Peculiar Tenderfoot Saddle Club Show 25 - Sho-Me Horse Show Circuit Show
Series 18 - Holden Saddle Club Fun Show Fischer Stables, Sedalia, MO
Peculiar, MO Holden, MO www.fischerstables.com or 660-829-4677
www.peculiarsaddleclub.org holdensaddleclub.tripod.com
25 - Safe Saddle Club Fun Day, 6pm
11 - Roping Summer Buckle Series 18 - Richland Saddle Club Fun Show Safe, MO
Warrenton, MO Richland, MO www.safesaddleclub.com
www.meltonfamilyrodeo.com or 636-262- 573-736-5533
1854 25 - Lone Star Ranch Silver Buckle Series
18 - God's Green Acre Assoc Horse Show Lone Star Ranch, Kansas City, MO
11 - Rolla Saddle Club Fun Show Hillsboro, MO www.lonestarranchkcmo.com
Rolla, MO www.ggaa.org or 636-944-3935
www.rollasaddleclub.org
26 - Barrel Racing Summer Buckle Series www.meltonfamilyrodeo.com
Warrenton, MO
