Horse Medical-Surgical Insurance (where do I buy)?

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Horse Medical-Surgical Insurance (where do I buy)?

This is a discussion on Horse Medical-Surgical Insurance (where do I buy)? within the Horse Health forums, part of the Keeping and Caring for Horses category

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    11-21-2012, 03:35 PM
Horse Medical-Surgical Insurance (where do I buy)?

I am interested in obtaining major medical-surgical insurance for my horse. My horse was not at all expensive so I don't need mortality...only major medical-surgical in case something happens and she needs treatment. My horse is worth far more to me than anyone mortality insurance is not an issue. I just want to be able to treat her if she becomes lame or ill. I have no idea where to obtain such insurance. Any suggestions for a company? Also, how much does it typically cost for just major medical-surgical insurance? Thanks!!
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    11-22-2012, 09:54 AM
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.

Barry G

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