How
much does USRider membership cost?
The price for an Individual Membership is $119 annually plus a
one-time $29 new member activation fee. If you add an Associate
Member when joining we will waive all activation fees.
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When
does USRider coverage take effect?
Your roadside assistance benefits begin upon receipt of the Membership
Kit.
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When
will I receive my USRider Membership Kit?
Membership Kits are sent via US Mail, from Lexington, KY. Shipment
usually takes 2-4 days depending upon your location. Orders placed
before 2 p.m. go out the same day.
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What
is the "one-time activation fee"?
We charge a one-time fee to process and open a new membership.
You would not pay this fee again unless your coverage lapsed for
more than 30 days.
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How
far will USRider tow?
The program provides for up to 100 miles of free towing for your
tow vehicle and/or horse trailer.
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How
does the up to $200 road service benefit work?
At USRider, we handle each disablement involving a tow vehicle
and horse trailer as if it were an 18-wheeler. In many cases,
it is better not to tow – especially with horses on board.
In the event that your vehicle becomes disabled when you are trailering
horses, if it is possible for us to facilitate a roadside repair
and avoid towing, we'll pay a service benefit of up to $200 per
incident – excluding parts and fluids.
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How
many disablements am I allowed each year?
We do not set specific limits. However, in order to maintain fair
and reasonable membership dues for all Members, we review all
unusual frequency of claims based on average Member claims. Usage
of services that we consider excessive may result in limitations
of the number of claims allowed, non-renewal, or cancellation
of membership. Excessive use of the plan usually indicates a vehicle
in need of maintenance or repair.
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Does
USRider have coverage in my area?
Yes. USRider is administered by Motor Club of America Enterprises
Inc., one of America's oldest motor plan providers chartered in
the 1920s. Motor Club of America provides roadside assistance
benefits to nearly 3 million members throughout the United States
and Canada. As a USRider Member, you have a network of more than
100,000 dedicated service professionals ready to assist you throughout
the United States and Canada. Additionally, at USRider we are
free to go outside our network at anytime to provide our members
with the quickest response time.
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How
does your emergency stabling work?
When you have an emergency that requires an unscheduled overnight
stay, we will contact local stabling facilities to arrange stabling
for your horse(s).
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What
if my friend is driving my truck and trailer?
This situation would not be eligible for coverage under your membership.
However, if the person driving your truck were a USRider member,
it would be an eligible disablement under their membership. At
USRider, we cover our members in any non-commercial vehicle they
are traveling in, even if they are not driving - our members must
be present for coverage to be applicable.
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I occasionally
haul my friend's horse. Am I covered?
Yes. We will provide roadside assistance no matter the ownership
of horses as long as our Member is present. However, USRider has
been especially created for the owner and their horse(s). USRider
coverage is not applicable for commercial carriers or haul for
hire.
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Are
employees covered if they haul my horse in my truck and trailer?
No, USRider membership is designed for the member and their horses.
Our members are covered in any vehicle they are traveling in;
however, they must be present for coverage to be applicable.
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Does
this membership cover any member of my family?
No. USRider membership is for the named member and their horses.
Eligible family members such as dependent children, spouses and
domestic partners can be added to any plan as an Associate member.
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Can
I add my spouse or child at a discounted rate?
Yes. Individual Members can add Associate Memberships at the reduced
rate of $79 annually – if you add an Associate Member while
joining, we are currently waiving any activation fees.
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How
do you define an Associate Member?
An Associate Member is your spouse or partner who is a resident
of the same household; your child, who is a resident of the same
household and under the age of 19; or your child, whose primary
residence is the same household, and who is a tax dependent of
the “Member,” is considered a full-time student at
an accredited college or university, and is 25 years of age or
younger.
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What
is the difference between a Primary and an Associate memberships?
There is no difference in coverage. An Associate Member enjoys
all the same valuable USRider benefits and coverages as Individual/Primary
Members—at a reduced rate!
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Will
USRider cover my truck and trailer?
Yes and no. We cover the truck and trailer when the member is
present. USRider membership is for the member not the vehicle
or trailer.
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Will
you tow a loaded horse trailer?
Yes, we will tow your trailer with your horse(s) in it, unless
it can no longer be used to safely transport your animal(s). In
that instance, we will locate alternate transportation for your
horse(s). USRider will not leave you or your horse(s) stranded.
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Does
USRider cover me only when I am towing my horse trailer?
We cover you in any non-commercial vehicle you
are in, regardless of whether you are towing a horse trailer—or
whether you are driving.
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Will
you cover me if I am towing my horse trailer with my motor home?
Yes. We are set up to cover heavier tow vehicles. Additionally,
we will cover our members in any non-commercial vehicle, even
if they are not driving. Our members only need be present for
coverage to be applicable.
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Will
USRider cover me when I tow my non-horse trailer?
Our current Service Contract allows for the service for non-horse
trailers, as long as they are not being used for commercial or
business purposes.
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Does
USRider cover vehicles with dual tires?
Yes, as far as we know, USRider is the only motor plan that will
service vehicles with dual wheels.
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I
just purchased a new horse trailer. Do you need the make and model?
Congratulations on your new acquisition! You do not need to contact
us, as we do not keep track of tow vehicles and/or horse trailers.
We cover you in any non-commercial vehicle you are traveling in,
even if you are not driving - you only need be present. However,
when you do purchase a new trailer, we’d be happy to supply
you with some new trailer safety decals upon request.
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Must
I disconnect the trailer for service?
Disconnecting a trailer from a tow vehicle with live animals should
only be done as a last resort. As you can imagine, each situation
is different. We prefer to attempt a repair and avoid towing when
possible - especially when animals are aboard. When towing is
the only course, we have had great success towing truck and trailer
in tandem to a place of safety where a repair can be made, and/or
other options can be explored. Our primary concern is getting
you and your horse(s) off of the highway and to a place of safety,
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Does
your service personnel have experience with horses?
No. Providing service to all of North America makes it impossible
for us to do that. However, our Member Care Specialists are specially
trained and our service personnel are experienced in automobile
service, towing and recovery.
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How
long does it take for for help to arrive after I call USRider?
The motor plan industry standard is one hour for response and
we consistently beat that with many responses in as little as
20 minutes. However, in the unusual event that you can get someone
else to reach you more quickly we'll reimburse you or gladly issue
a purchase order so you can sign and drive.
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What
kind of service vehicle will you send out?
Our Member Care Specialist will inquire about the nature of your
disablement and the type of vehicle you are calling about and
dispatch a service vehicle capable of the services needed.
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What
if USRider cannot locate a service provider to help me?
In rare cases, our members are able to locate a service provider
on the scene before our call center can. In those cases, our members
pay the provider, mail within 30 days an original receipt (which
is in the member’s name) marked paid, and we will reimburse
their expenses up to the benefit limit.
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What
if I cannot be with my vehicle?
For several reasons, including security and liability purposes,
our Service Contract specifies that the member must be present
when service is rendered.
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Can
I call ahead for service?
Regretfully, we do not permit advanced reservations
for service. When you are ready for service, simply dial the emergency
number on the back of your card and we will be pleased to assist
you.
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I’m
a trainer, and haul horses for clients. Am I covered?
Regretfully, this situation would be considered commercial, or
haul for hire, and is not currently covered under our plan. However,
we are considering adding new levels of coverage. Please check
back soon.
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At
my boarding operation, we use our trailer to haul clients’
horses. Is this covered?
Regretfully, this is considered commercial, in view of the fact
that you are using USRider in your business. We anticipate adding
a plan to address these needs in the near future, please check
back with us.
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Why
does USRider exclude commercial use?
USRider was created for the member and their horses. The program
is not eligible for commercial or haul-for-hire uses. Aditionally,
it is not applicable for vehicles used in your business. However,
we anticipate adding a commercial plan in the near future, please
check back with us.
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My
vehicle has commercial license plates. Do I qualify for USRider
membership?
Yes, our commercial restrictions pertain to the actual use of
the vehicle.
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Will
USRider replace my existing auto insurance?
No. USRider does not serve as automobile insurance. USRider is
a motor plan that provides emergency roadside assistance and other
equine travel benefits. (For a list of benefits, see the Member
Benefits area of this website.)
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Will
my current motor plan assist me when towing my horse trailer?
We are not aware of any other motor plan that provides coverage
for animals being towed in trailers. However, we recommend that
you contact your current motor plan to inquire about their coverage.
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My
current motor plan doesn’t cover horses, but I trust them.
Why should I switch?
While we are only in our seventh year of operation, we handle
over 1500 disablements annually with great precision in that time,
we have attained one of the highest member satisfaction ratings
in the motor plan industry. USRider is not a motor plan that created
a motor plan for horse owners - we are horse owners and enthusiasts
who created a motor plan.
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Who
should belong to USRider?
Anyone who owns a horse should join USRider.
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Is USRider
membership guaranteed?
Your satisfaction is guaranteed. The USRider Member Benefits are
clearly detailed with no fine print in the Membership Kit. If
you are not completely satisfied with the USRider roadside assistance
program, simply write “cancel” on the service contract
and return within 30 days for a full refund.
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How
does your program work?
As a USRider Member, when you have a disablement, simply call
the emergency toll-free number on your membership card and a service
vehicle will be dispatched to your location.
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How
long has your organization been in existence?
Our program began operations on January 1, 2002, and we have thousands
of members all across the United States, Canada and Alaska.
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Does
USRider cover equine mortality?
No. Sadly, we found it impossible to develop a group policy covering
horses with such a wide range of values and uses.
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Is
there a deductible?
No. Our members simply sign and drive up the plan’s covered
limits. In rare instances, a service provider may require payment
on the scene. In those cases, the member simply mails a copy of
the paid bill for reimbursement.
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Do
you provide trip planning?
No. However, when you have an emergency we will arrange emergency
stabling. USRider Members receive a 20 percent discount on the
Overnight Stabling Directory. More information about this benefit
can be found in the Winner’s Circle Advantage program. Visit
the Member’s (create link to member log-in page) area on
our website.
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