Equine Mortality Ins. & personal liability? - The Horse Forum
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post #1 of 10 Old 11-18-2010, 12:03 AM Thread Starter
Join Date: Oct 2010
Location: SE PA
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Equine Mortality Ins. & personal liability?

Ok, I have been researching about mortality ins for the horses we're purchasing (on advice from the breeder) and I was curious about how many of y'all actually have any kind of insurance on your horse(s)?? I will be getting a quote from a local company tomorrow but I'd like to here what y'all think about this subject.

Any comments are welcome.
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post #2 of 10 Old 11-18-2010, 07:21 AM
Join Date: Jun 2007
Location: left of center
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Just have personal liability on mine. Have never had personal experience with the mortality, morbidity or loss of use. I have a friend who had the loss of use a few years ago, and remember that when her guy got injured and became unrideable, she tried to collect, and they, naturally, wanted the horse. At that point she would have lost all control over what happened. They could use him for experimentation or whatever. She elected not to collect, and he became a paddock potato. So, I guess just make sure, like anything, you read the fine print.

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post #3 of 10 Old 11-18-2010, 07:39 AM
Join Date: Jul 2009
Location: In a land far far away, or so I wish.
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I had mortality insurance until he turned 15. Then the insurance company dropped us because of his age.

We have a rider on our home owners insurance policy to cover the liability risk of having the horses.
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post #4 of 10 Old 11-18-2010, 08:49 AM
Green Broke
Join Date: Oct 2010
Location: Some times Llanelian - North wales, sometimes Hull in East Yorkshire (UK)
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I have full cover for my young pony including 3rd party liability, illness and injury and mortality. I don't do loss of use because it is prohibativly expensive (over here though if you do claim for loss of use you can keep the horse but they brand the horse with an L on its back). and I had full cover for stan, i've got 3rd party only on the other ponies

I have used all sections of my insurance policy in the past.
3rd party when my horse sat on the bonet of a car out on a hack, illness and injury several times including a couple of HUGE claims for stans leg. And I have claimed for the death of a pony, he was 20 at the time and they paid out the full amount he was insured for. They also covered the removal, post mortem and disposal costs which were huge.

What you get is entirely dependant on the company and the level of cover you want. I pay 50 a year for 3rd party for my oldies, and I pay 300 per year for full cover on my youngster.

Shop around and do ask about companies first. There is one company over here in the UK that is notorius for have extrremly low cost policies however they also NEVER pay out unless made to by the courts or you complain to the reg authorities.

RIDE your horse FORWARDS and keep him STRAIGHT

Last edited by faye; 11-18-2010 at 08:53 AM.
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post #5 of 10 Old 11-18-2010, 04:28 PM Thread Starter
Join Date: Oct 2010
Location: SE PA
Posts: 250
• Horses: 3
Sounds like the mortality and major medical as well as liability ins coverage is a good idea. Not only that but it's not as pricey as I figured it would be.. funny thing is we don't have life OR health insurance for ourselves but I'm willing to spend the money for pretty much the same thing on our horses.. LOL
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post #6 of 10 Old 11-18-2010, 04:35 PM
Green Broke
Join Date: Oct 2010
Location: Some times Llanelian - North wales, sometimes Hull in East Yorkshire (UK)
Posts: 3,679
• Horses: 5
I don't know if they operate over in the US but I highly reccomend Petplan equine if they do.

They paid out a claim of nearly 5000 for stans leg (including stem cell therapy and hospitalisation costs) and that was for a pony who was 18 years old at the initial injury. 2months after they paid the last claim for his leg he died at the grand old age of 20. They paid out his full value which dispite his age was not small and they did so without a quibble.

RIDE your horse FORWARDS and keep him STRAIGHT

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post #7 of 10 Old 11-19-2010, 11:45 AM
Join Date: Dec 2009
Location: saskatchewan, Canada
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I always had our horses insured for mortality until last year, when Sky got sick ,we had to let them know ,he got all his testing done and it didnt show anything and then he got better, and then he wasnt covered for that illness if he died from it, as it turned out he is not sick ,but they still wont cover him for copd or cushings as that is what he was tested for, and if you dont tell them the horse is sick asap they wont pay if the horse dies anyway. All of this happened over Skys renewal period too, even though we were paid up, we phoned the day or two after the renewal date so that had something to do wiyh it, why I dont know. So just make sure you know everything about the policy and ask lots of questions. We were with this company for 10yrs but never had problems till now. Now I put money into another account for my horses. When I think of all the money I put into insurance co and then how they treated us it makes me mad.
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post #8 of 10 Old 11-20-2010, 08:19 AM
Join Date: Apr 2008
Location: Orange County, NC
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Originally Posted by princess warrior View Post
Now I put money into another account for my horses. When I think of all the money I put into insurance co and then how they treated us it makes me mad.
This is what we do. Insurance companies are in business to make money, not do you any favors. Over the years, we've easily saved enough to replace a couple horses or pay a major medical problem.

On the sixth day, God created the Quarter Horse.
On the seventh day, he Painted the good ones.
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post #9 of 10 Old 11-20-2010, 09:58 AM
Join Date: Jun 2009
Location: Western US
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I have my mare insured. They will require some things to figure out the cost and coverage. They may ask for proof of money paid for training. Breeding papers and registries, show records etcetera.

It is good to have it all in order when you send everything in. Sometimes they will exclude a specific thing to be treated.

I have major medical and mortality and loss of use on my mare. When something small comes up and i need the vet to take a peek i dont even use it. Now if something big came about such as a cut needing stitches or something that will require treatments for month and rehab....you bet I am going to claim it.

For my pasture gelding at the ripe age of 9 yrs old....well I don't have the insurance for him. There is no reason to really have it. But for a horse in full training that I plan on showing and or possibly breeding down the road yes.
I feel it is a personal choice to have it or not to have it.
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post #10 of 10 Old 11-20-2010, 05:27 PM
Join Date: Sep 2010
Location: Kentucky
Posts: 453
• Horses: 8
I have all my mares insured for mortality. We have liability under the farm insurance and no one rides them but me so I didn't bother to put them on it. Since I'm going through the same company as my house and farm insurance it doesn't cost too much. Mainly I just have it so if one of my mares dies in a freak accident, like lightning, I can replace her (physically at least, though emotionally I'd be crushed).
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