11-22-2012, 08:54 AM
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KOKO - wise lady. Sorry I can't suggest any company in the US because I live in the UK however horse insurance usually comes as a package - you get offered the policy which the insurance company sells with all the frills.
But having third party liability, tack loss and the other extras is not a bad idea. Also always declare a realistic market value for your horse - the money comes in handy when paying for the disposal of the carcass.
But talk with the admin department of your vet - they should tell you which insurance companies will pay out readily and quickly without hesitation or argument for a bone fide claim. Also ask local riding club members,
Be aware that vets bills are expensive and so are testing fees. Ask to see a schedule of vets fees to determine the level of cover you need.
And always try to read the small print in any policy including a schedule of what they will not pay for.
Incidentally - consider personal accident insurance - it is just too easy to fall off a horse and break a bone whilst doing so.
Best of luck.