Horse Health Insurance - The Horse Forum
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  • 2 Post By Regula
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post #1 of 5 Old 09-21-2013, 12:10 PM Thread Starter
Join Date: Sep 2013
Location: TN
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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)

Last edited by MaximasMommy; 09-21-2013 at 12:12 PM.
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post #2 of 5 Old 09-26-2013, 09:00 AM
Join Date: Sep 2013
Location: Virginia
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Hi. I have insurance through Markel and it has been a lifesaver. I highly recommend it.
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post #3 of 5 Old 09-26-2013, 05:22 PM
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Do you know if they cover Lyme disease? My insurance does not anymore.
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post #4 of 5 Old 10-01-2013, 06:26 PM
Join Date: Oct 2011
Location: Moxee, WA
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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!
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post #5 of 5 Old 10-01-2013, 06:42 PM
Join Date: Jan 2012
Location: Calgary, AB, Canada
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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.
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