Veterinarians: Discover the Trust


The AVMA Trust...more than Professional Liability 

Whether you serve companion animals, work with equine or in a different segment as a veterinarian, the health of your patients, serving the needs of your clients, and advancing your profession remains at the top of mind each and every day. 

Just as you are dedicated to your calling, the AVMA Trust is committed to serving AVMA members and the veterinary profession. Most veterinarians know the AVMA Trust for professional liability insurance, but the AVMA Trust is designed by veterinarians for veterinarians to offer comprehensive insurance coverage and risk-mitigation resources for veterinarians at all stages of their careers. 

We invite you to take a few minutes today to discover the Trust. Throughout 2021, we’ll reach out and encourage you to learn even more about the value the Trust adds to your AVMA membership, to vet your individual policies, and to discover new ways to mitigate your risk both as a veterinarian and for life outside your work. 

Discover the Trust 

Protect Your Career 

  • Professional Liability. Also known as malpractice insurance, this coverage responds when you are accused of veterinary malpractice. Even if a claim of malpractice is unfounded, the cost of defending yourself and your business can be devastating. 
  • Veterinary License Defense. This coverage offers protection against complaints on your veterinary license, including frivolous accusations that could cost you time and thousands of dollars to defend. It can offset the cost of legal fees to protect your ability to practice. 

Protect Your Property and Paycheck 

  • Personal Insurance. Turn to the AVMA Trust for the same level of personalized service on all your personal insurance needs, including auto, renter’s, and homeowner’s coverage. 
  • Group Disability Insurance.1 If a covered accident or illness keeps you from working, this coverage provides a cash benefit to help with everyday living expenses. Short- and long-term disability coverage is available. 

Protect Your Future – and Theirs 

  • Group Life Insurance.1 Could your family maintain their quality of life if your life was lost? Provide protection for your loved ones for a potential day when you can’t be there to support them. 
  • Association Retirement Plan.2 The AVMA Trust plan was designed with the unique needs of the profession in mind – and it’s not just for practice owners and their teams. It is a great choice for self-employed veterinarians or independent contractors (mobile or relief vets) who want to participate in a 401(k). 

Protect Your Health and Wellbeing 

  • Group Hospital Indemnity Insurance.1 Traditional health insurance rarely covers all the expenses of an accident or illness – especially if hospitalization is involved. Help fill in the gaps with this coverage.
  • Group Critical Illness Insurance.1 In the event of a health emergency, a cash benefit paid directly to you for qualifying conditions can help lessen the financial burden of a serious illness by helping cover medical bills, deductibles, or even day-to-day expenses. 
  • Dental and Vision. Take advantage of competitive rates on coverage through Delta Dental of Illinois. 

Vetted by Professionals 

Partnering with the AVMA Trust to protect your veterinary business isn’t like dealing with local insurance agents or large carriers. Our program is vetted by professionals – professionals who understand the challenges and rewards of being a veterinarian because they are veterinarians. 

The Trust Veterinarians are your advocates. When you insure your business through the AVMA Trust, you not only combine your buying power with 65,000 other veterinarians to enjoy market leverage and tailored product offerings, you’re backed by a team of doctors advocating for you. 

The Trust Veterinarians have many years of practice experience and they put that experience to work for you by: 

  • Speaking directly with veterinarians who call the Trust 
  • Reviewing every reported professional liability claim 
  • Referring the insurance carriers to qualified veterinary experts to assist in defense 
  • Providing professional guidance to the insurance carriers and their attorneys 
  • Attending veterinary conventions and association meetings to remain at the peak of their profession 
  • Visiting colleges and schools of veterinary medicine to educate students on veterinary insurance 
  • Providing educational content for an array of state and national publications 
We know you won’t find a comparable resource through other insurance providers. It’s why we invite you to meet the Trust Veterinarians:

Dr. Linda Ellis 


It seems Dr. Ellis has always been devoted to the care of animals and the veterinary profession. By age 8 she knew her destiny – and didn’t waste time with a back-up plan. Summers at her grandparents’ thoroughbred farm introduced her to veterinary care, and it was around that time her dad nicknamed her Bird. 

As director of Trust veterinarians, Dr. Ellis is here for you. She speaks directly with AVMA members if they have an adverse event during treatment or need guidance with claims. She also dedicates her time to educating AVMA members and veterinary students on risk management and claims avoidance through presentations at veterinary schools, veterinary meetings and Trust newsletters. 

When you speak with Dr. Ellis, be sure to ask about Lily and Olive, her two Labradors (she’s had Labradors for more than 30 years), and Pikachu and Starly, her Cockatiels.
 
Dr. Ellis’s Advice for Veterinarians 
"Review your insurance coverages annually. Has your practice type or species you work on changed? You may need to increase your coverage. If you’re considering becoming a practice owner, remember that you’ll need insurance for the practice. As your income increases, your need for disability coverage also increases. Make sure to review this coverage as well as your life insurance needs if your family situation has changed. And...keep good medical records!" 

Dr. Nina Moledous 


Always surrounded by animals as a child – dogs, cats, rabbits, chickens, ducks, cows, horses and a pig – Dr. Moledous has lived a life devoted to animals. After being encouraged into Animal Sciences and Pre-Veterinary School by her brother and a friend, she was the owner and sole practitioner of a mobile clinic that specialized in thoroughbred care. 

As a Trust veterinarian, Dr. Moledous reviews malpractice complaints and serves as a sounding board for AVMA members on various topics from client management to recommended insurance coverages. 

Whether you’re looking for advice on a malpractice claim or merely looking to connect with a fellow veterinarian, connect with Dr. Moledous and you might also hear the latest adventures of Guinness the yellow Labrador, Molly the red Dachshund or Beethoven the Quarter Horse Cross Hunter/Jumper pony.

Dr. Moledous’ Advice for Veterinarians
“If you believe you may want to “read another book” as they say and are interested in moving into another area, veterinary medicine has so many opportunities available in addition to practice life. Don’t hold back if you are curious to look into optional disciplines; the opportunities are endless and there is something for everyone.”

Dr. Rebecca Stinson 


For Dr. Stinson, it’s easy to describe the best part of being a DVM. Simply put – it’s the grateful hugs, the warm nuzzles and the slobbery kisses (from the patients) as well as the feeling when someone thanks you for helping them through the last days of a pet’s life. 

Dr. Stinson primarily serves the veterinary student members in all SAVMA chapters in the country and beyond. She partners directly with the student ambassador team to provide educational opportunities and fun contests to help future veterinarians understand the role and value of the AVMA Trust. 

Whether you’re currently a student, mentoring a student or just want to reach out to learn more about Dr. Stinson’s role, be sure to ask her about her farm and her domestic long haired calico named Cleo, a black mixed breed dog named Thea and a Oldenburg-Trachener cross named Reno, who is 17.2 hands tall (that’s 5’10” at the withers for the non-horse people).  

Dr. Stinson’s Advice for Veterinarians
“Take time to smell the roses. If you are in a practice that you enjoy, consider sharing what you love about it with your boss and others. No one practice or even veterinary role is right for everyone. There are a ton of great ones out there.  Find the one that makes you smile!”

Dr. Cynthia MacKenzie 


Not surprisingly, Dr. MacKenzie’s journey to veterinarian started with her love of all animals. But it’s her devotion to horses that helps define her positive work. Prior to joining the AVMA Trust, she co-founded the Unwanted Horse Veterinary Relief campaign to provide vaccines to qualifying equine rescues. 

As a Trust veterinarian, she’s a dedicated advocate to AVMA members during claims processes and is devoted to creating educational resources and presentations to further the profession. It’s that support that allows members to focus more on what Dr. MacKenzie believes is the best part of being a veterinarian: supporting the human-animal bond by helping improve the lives of animals and the people that love them. 

Oh, and when you connect with Dr. MacKenzie, be sure to ask her for a photo of Lily, her “very spoiled and rotten” yellow Labrador Retriever. 

Dr. MacKenzie’s Advice for Veterinarians 
"Be sure to take time for yourself and remember why you became a DVM. Stay connected by joining local, state, or national veterinary groups to take advantage of any group benefits that they may offer.”

Dr. Jennifer Frey 


When other junior high students were navigating the perils of adolescence, Dr. Frey was already charting her life’s journey. It was in the seventh grade – based on her love of animals and strong interest in math and science – that she decided veterinary medicine was for her. 

As a Trust veterinarian, Dr. Frey is a resource to all members. She loves providing not only resources but also comfort to veterinarians that may be dealing with a claim, difficult clients or the loss of a patient. Dr. Frey was mostly involved with small animal medicine for 20 years (primarily dogs and cats with occasional exotic animals like ferrets, rabbits and birds). 

Today, she’s caring for her own pets Lexie (Shih Tzu mix) and Cosmo (domestic short-haired cat). 

Dr. Frey’s Advice for Veterinarians
"Expand your interests in veterinary medicine: become proficient in ultrasound, get certified in acupuncture, learn new surgical techniques, advance your knowledge of common behavior issues and medications/techniques used to manage those behaviors.”

Dr. Kara Escutia 


The coloring exercise in the first grade was a standard classroom activity. But for Dr. Escutia it was a declaration. No, it didn’t say she wanted to be a veterinarian when she grew up; It said “I will be.” It was the anticipation she felt as a child taking her family pets to the veterinarian that helped drive her professional goals. 

Now, as a Trust Veterinarian, she reviews professional liability claims and provides support and advocacy for colleagues. She also provides guidance to brokers and carriers on veterinary topics and presents educational programs to veterinary students and teams. 

Dr. Escutia lives in the suburbs of Chicago with her husband and two young children. Together they have a staffordshire terrier mix named Turtle and two cats: Bagel and Tobby. 

Dr. Escutia’s Advice for Veterinarians
“If work starts to get mundane, pick a niche that makes you excited and find creative ways to expand your knowledge and spend more time working within it.”

Member Focused

Part of the mission of the AVMA is to lead the profession by advocating for its members; its goal is to increase member value and satisfaction. To that end, the AVMA Trust is steadfast in its member focus through all insurance protections, risk-mitigation resources, and educational outreach.

The AVMA Trust prides itself on supporting AVMA members, and this commitment resonates throughout the profession: 

"It's the best coverage I've found. I've kept it for over 30 years."
— Dr. Richard L. Runyon, Eastridge Animal Center

"In addition to convenience, I was pleasantly surprised to find promptness, efficiency, responsiveness, and really friendly and courteous agents.” 

— Dr. Therese Lee, Wagon Tails Animal Clinic LLC


Discover the Trust


1 Group insurance underwritten by New York Life Insurance Company (NY, NY 10010) on policy form GMR.
2 The AVMA Trust Association Retirement Plan is offered through Transamerica, in partnership with TAG Resources and Envestnet Retirement Solutions.

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