Equine health insurance, is it worth it?
 
 

       The Horse Forum > Keeping and Caring for Horses > Horse Talk

Equine health insurance, is it worth it?

This is a discussion on Equine health insurance, is it worth it? within the Horse Talk forums, part of the Keeping and Caring for Horses category
  • horse talk insurance
  • Equine health insurance canada

 
LinkBack Thread Tools
    06-12-2012, 10:52 PM
  #1
Weanling
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.
     
Sponsored Links
Advertisement
 
    06-12-2012, 11:01 PM
  #2
Started
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.
Posted via Mobile Device
     
    06-12-2012, 11:13 PM
  #3
Weanling
Quote:
Originally Posted by SEAmom    
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.
Posted via Mobile Device
Thank you for the info!

Would you pay a monthly premium as well?
     
    06-12-2012, 11:15 PM
  #4
Trained
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.
     
    06-13-2012, 12:20 AM
  #5
Weanling
About how much ( roughly) a month can you expect to pay for a $10k coverage on your horse? Say for full mortality?
     
    06-14-2012, 01:03 PM
  #6
Foal
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!
     
    06-14-2012, 03:04 PM
  #7
Trained
Posted via Mobile Device
     
    06-14-2012, 03:07 PM
  #8
Trained
^^^^ I think you're going to have a hard time finding any reasonable insurance (if anyone even will) for a 21yr old.
Posted via Mobile Device
     
    06-15-2012, 10:08 AM
  #9
Started
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.
Posted via Mobile Device
     
    06-15-2012, 12:51 PM
  #10
Foal
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.
     

Quick Reply
Please help keep the Horse Forum enjoyable by reporting rude posts.
Message:
Options

Register Now

In order to be able to post messages on the The Horse Forum forums, you must first register.

Already have a Horse Forum account?
Members are allowed only one account per person at the Horse Forum, so if you've made an account here in the past you'll need to continue using that account. Please do not create a new account or you may lose access to the Horse Forum. If you need help recovering your existing account, please Contact Us. We'll be glad to help!

New to the Horse Forum?
Please choose a username you will be satisfied with using for the duration of your membership at the Horse Forum. We do not change members' usernames upon request because that would make it difficult for everyone to keep track of who is who on the forum. For that reason, please do not incorporate your horse's name into your username so that you are not stuck with a username related to a horse you may no longer have some day, or use any other username you may no longer identify with or care for in the future.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.


Old Thread Warning
This thread is more than 90 days old. When a thread is this old, it is often better to start a new thread rather than post to it. However, If you feel you have something of value to add to this particular thread, you can do so by checking the box below before submitting your post.

Thread Tools

Similar Threads
Thread Thread Starter Forum Replies Last Post
Equine Insurance questions... With Grace Horse Talk 4 01-05-2012 10:32 PM
Does anyone have health insurance for their horse? steedaunh32 Horse Health 1 07-03-2011 09:50 PM
Equine Insurance in Canada? Yoshi Horse Health 2 03-06-2011 01:29 PM
Equine Insurance SaratogaTB Horse Health 8 08-22-2010 09:26 PM
horse health insurance` drafts4ever Horse Protection 1 12-14-2009 02:10 PM



All times are GMT -4. The time now is 05:46 PM.


Powered by vBulletin® Version 3.8.5
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.6.0