Equine health insurance, is it worth it? - The Horse Forum

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post #1 of 13 Old 06-12-2012, 09:52 PM Thread Starter
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Equine health insurance, is it worth it?

I was considering getting insurance for my boy. Just in the case that something were to happen, and I would not have the money to pay for a big vet bill right away. He's 12 and in really nice health and has not had any serious issues in the past.

Can anyone provide me with further information on insurance? What does it usually cover, the cost, ect. If anyone has any providers in specific they would recommend that would be great.


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post #2 of 13 Old 06-12-2012, 10:01 PM
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I'm pretty sure it's very difficult or a lot more expensive after the horse is 15. Other than that, I'm in a similar position. I've done a little looking and in my area, the premium is 2-3% of the amount of coverage. Example: I want $10k of coverage for my horse and can back up the number, so my premium would be $200-300 for basic coverage. The extras cost more. The extras vary power company and so does the cost. That's all I can really tell you, though.
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post #3 of 13 Old 06-12-2012, 10:13 PM Thread Starter
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Originally Posted by SEAmom View Post
I'm pretty sure it's very difficult or a lot more expensive after the horse is 15. Other than that, I'm in a similar position. I've done a little looking and in my area, the premium is 2-3% of the amount of coverage. Example: I want $10k of coverage for my horse and can back up the number, so my premium would be $200-300 for basic coverage. The extras cost more. The extras vary power company and so does the cost. That's all I can really tell you, though.
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Thank you for the info!

Would you pay a monthly premium as well?


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post #4 of 13 Old 06-12-2012, 10:15 PM
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If you have limited funds like many of us, insurance is great piece of mind. Just make sure the policy you choose has a liberal pre-existing condition clause. Some will never cover the same thing twice such as lyme disease while others will cover anything once 6 months has gone by. I've used mine several times. So far I've paid about the same in premiums as they've paid me in claims.

You just have to see your distance...you don't have to like it.
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post #5 of 13 Old 06-12-2012, 11:20 PM
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About how much ( roughly) a month can you expect to pay for a $10k coverage on your horse? Say for full mortality?
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post #6 of 13 Old 06-14-2012, 12:03 PM
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I just got my first horse, and he's a 21yo Trakehner in good health. I'm considering insurance and I want to know if anyone has any suggestions of good companies (I live in the US). I don't really think anything's going to happen, but then, you never do... I would really hate to not be able to take care of him, but I'm sort of in a transition mode (I just graduated from college) and money is kinda tight. Any tips at all are appreciated (what kind of insurance to get, who to use, how much, etc) Thanks!
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post #7 of 13 Old 06-14-2012, 02:04 PM
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post #8 of 13 Old 06-14-2012, 02:07 PM
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^^^^ I think you're going to have a hard time finding any reasonable insurance (if anyone even will) for a 21yr old.
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post #9 of 13 Old 06-15-2012, 09:08 AM
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I don't have horse insurance but I learned a bit about dog/cat insurance. You want to look at accident ie colic or do you want yearly vx covered? Depending on the age of the horse, it's value(training and bloodlines) is going to affect the coverage you can get. When looking at a company make sure they have been around for a while. A lot of the pet insurance companies fizzle after a few years and take your money with them. I would ask your vet if there is a company they like more than an other. Hopefully someone with coverage will be along with some advice soon.
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post #10 of 13 Old 06-15-2012, 11:51 AM
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My trainer has it on her boy but then again he's had offers of 10k+ and only 6 yrs old. She trained him and he's a klutz. Ill probably put some kind of insurance on mine, my old horse had a agreement with the barn, if she got hurt bad enough the barn could ok the vet for surgery but only under so much money.
I like having a backup, especially on show horses.
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