Horse Insurance

 

 

 


 
 
     Many clients choose to insure their horses and this makes good sense.  We all tend to buy our horses with discretionary income, and unfortunately, sometimes there is not enough of that available  in our bank accounts to replace a horse that dies, or to pay large and unexpected veterinary bills. There are three common types of insurance available for horse owners:
 
1. MORTALITY INSURANCE.   This coverage is designed to pay you for the value of your horse in the event of death from illness or injury.  Your horse must only be insured for the actual value of the horse, and the premium will be proportional to the established value.
 
2. MAJOR MEDICAL/SURGICAL INSURANCE.  This coverage is designed to pay medical expenses for your horse.  Like most types of insurance, there is a deductible so this insurance is usually saved for big bills. Situations where this coverage works very well would include serious injuries or diseases or major surgeries like colic surgery.
 
3. LOSS OF USE INSURANCE.  Some companies sell this for horses in certain disciplines.  Not all are eligible.
 
 
     As veterinarians, we are the ones who see first hand the emotional and financial hardship that clients undergo over the loss of one of their horses or the difficulties in dealing with a horse with serious and expensive medical issues.  We do not sell insurance and do not recommend any particular companies.  Over the years we have found our clients have been treated professionally and fairly by insurance companies.

 

 

 

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