Horse Health Insurance

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Horse Health Insurance

This is a discussion on Horse Health Insurance within the Horse Health forums, part of the Keeping and Caring for Horses category

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  • 1 Post By Horsedad48
  • 2 Post By Regula

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    09-21-2013, 01:10 PM
Question Horse Health Insurance

I did a search but I didn't see a main thread on horse health insurance. What companies do you have experience with, and which would you recommend? I just got my horse and want to get him good insurance. There is another horse at my stable that was ridden too hard by her teenage owner and ended up near death. My trainer told me how important it is to have insurance so if something does happen I can send it straight to the hospital without a thought. (which they didnt do and it made her pretty disgusted)
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    09-26-2013, 10:00 AM
Hi. I have insurance through Markel and it has been a lifesaver. I highly recommend it.
loveduffy likes this.
    09-26-2013, 06:22 PM
Do you know if they cover Lyme disease? My insurance does not anymore.
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    10-01-2013, 07:26 PM
I am with Connaway & Associates. I thought they were great to deal with, but I will not be renewing with them next year. It may be like this with every equine insurance, but I'm not sure - every time my horse had an injury or illness, they made sure to ad a clause to my contract that I could never be covered for that same treatment ever again. For example, my horse had ulcers and was treated for them. They added a clause saying I could never be covered for ulcer treatment again. My horse cut his hock on fence and required x-rays, then they put a clause saying hock injuries would not be covered anymore....Anyways, my point is make sure you research what the policy is for this kind of thing with different companies...I still have to do research myself to see who I will switch to for next year!
    10-01-2013, 07:42 PM
I second looking into insurance policies very closely. I was considering insurance for my horse, and ended up not getting any.

The main problems I encountered were:
- no pre-existing conditions are covered, and as cowgirlnay mentioned, some insurance companies only cover once for any given condition.
- usually (at least here in Canada), the insurance tops out at the value of the horse. So if your horse hasn't been very expensive and / or doesn't have an extensive show record, most of the time the insurance will NOT cover things like e.g. Colic surgery, which is when I'd need it most.
- the monthly rates are very expensive.

I ended up putting $100 a month into a "vet account". If I don't need it, great. If I do need it (and I did in the past), it's there as a financial cushion.
cowgirlnay and Cynical25 like this.

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