Insurance guide

Horse Insurance Guide

This guide to horse insurance will outline the reasons for insuring your horse. Today, pet insurance is increasingly common, as owners recognise the benefits of being covered for any eventualities that may take place.

Guide to Horse Insurance
In the last 20 years, veterinary science has come a long way. This means that animal health issues can be much more easily identified and treated than ever before. Unfortunately, vet bills can run into the thousands – especially for horses. Equine healthcare is arguably one of the most expensive animal costs there are, and so horse insurance is an increasingly popular choice.

Horse Insurance Guide – Types
For many horse owners, the reassurance provided by equine insurance is invaluable. There are a number of different reasons why equine insurance is important: it can protect your horse, yourself, and other people. Third party horse insurance is useful for making sure that others are protected if in the unlikely event your horse should cause harm to another person or their property. This type of cover can be arranged through horse insurers, or can be a benefit to members of certain equestrian organisations.

It is very important to have your cover suit your particular circumstances. Every situation is different, and so your insurance should be tailor made. When your policy arrives, read it through thoroughly as you do not want to be caught out. It is very easy to assume that you are covered for all types of issue, but upon an event occurring you could find out that your insurance is useless in certain instances.

Your horse will need to be insured for any and all specific activities that you will do. If the horse is injured in an activity that you are not covered for, you will not be able to make a claim.

Equine Insurance Protection

How to Get Equine Insurance to Protect You and Your Horse

If you own a horse, you need to consider equine insurance coverage. There are a number of different types of equine insurance coverage, so before your purchase a policy or policies, you should evaluate your needs based on the value of your horse, how it is used and your personal financial situation.

Among the types of horse insurance are the following:

Personal Horse Owners Liability Insurance. This is insurance that protects you in the event of harm caused by your horse and makes payments in the event that your horse causes property damage or bodily injury.

Equine Mortality Insurance. This is life insurance for a horse. Whether you need it and for what amount depends on the value of your horse. If you own a relatively inexpensive horse that is used for recreational riding, you may choose to forego it. On the other hand, if you own valuable show horses, you may want to purchase equine mortality insurance.

Equine Major Medical and Surgical. This is an add-on to equine mortality insurance and cannot be purchased separately.