Join Date: Nov 2009
Location: Alberta, Canada
I have Robbie insured for $30,000 CAN (full mortality - so if he dies, I get $30k for him) and his yearly insurance costs $1,000.
That covers full mortality, theft, property damage, rider injury, major medical, surgery up to $10,000, etc.
For medical costs I pay a $500 deductable and then they cover the rest.
Insurance costs do vary with how much you insure your horse for though, my last guy was only insured for $15,000 full mortality and I paid $500/year.
I highly suggest insuring, many people I know have not and cannot afford major medical resulting in euthanizing their horse.