Welcome to the NSW Trainers Association Insurance Program
Claim Example
Example 1: Training Accident
John was handling a horse when he was kicked breaking his leg. He is advised he will be unable to train for 7 weeks. He contacts Gow-Gates and a claim form is obtained and a Personal Accident claim is lodged.
John earnt $65,000 in the prior 12 months. Average Weekly earnings $1,250.
As John derives an income from training he is able to claim the maximum $750 per week for his period of incapacity. The insurance also pays $2,500 as a broken bone benefit and reimburses him for medical expenses he has incurred that are not claimable under Medicare, up to the maximum benefit limit of $3,000.
- 7 Day excess period = NIL
- 6 weeks Incapacitated @ $750 p/week = $4,500
- Broken Bone Benefit 50% of $5,000 Benefit = $2,500
- Non Medicare Medical expenses = $3,000
- Total claimed = $10,000
Example 2: Training Accident
Whilst riding track work at her property Kim is dislodged and breaks her hip. As she is an owner hobby trainer who does not have a regular income Kim is entitled to claim a routine benefit which pays up to $600 per week for 20 weeks for her to hire replacement staff to carry out reasonable and necessary duties associated with the care of horses.
The insurance pays $3,750 as a broken bone benefit and reimburses Kim for physiotherapy costs incurred which are not claimable by Medicare:
- 7 Day excess period = NIL
- 20 weeks @ $600 per week
- Routine Benefit = $12,000
- Broken Bone Benefit 75% of $3,000 = $3,750
- Non Medicare Medical Expenses = $3,000
- Total claimed = $18,750
