Horse Insurance

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Horse Insurance

This is a discussion on Horse Insurance within the Horse Talk forums, part of the Keeping and Caring for Horses category

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    06-07-2012, 01:36 PM
Horse Insurance

I wasn't quite sure what category to post this under but....

I'm recently finding out that there are so many different types of horse insurance... mortality, medical, liability, etc...

I was wondering if anyone could suggest a good insurance company to go with? Also, I'm sure the rates vary for each horse and location and how much coverage you have but would anyone give me an idea on how much it all costs?

Any replies will be helpful! Thanks :)
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    06-07-2012, 05:24 PM
Green Broke
Yes, there are a lot of options when it comes to insurance. You may want to call a company and figure out which plan is best for you. I have used Equisure in the past and have been pleased. Not sure if this is still the case but you may have to be a member of USEF... I also really like Hallmark, they have a great prices and customer service.

Usually when I insure a horse (I only insure my investment horses when they are going to be leased out) I get mortality (should one of them pass on, I don't wnat to be out my investment) and major medical. Usually it's something like you pay $500 and they will pay the rest of a major bill, up to like $7500 or $10000 depending on the plan. I usually do major medical in case a colic surgery is necessary. Chances are if one of my horses is going to need some kind of major lower limb surgery it's not going to be sound enough to sell as a performance horse anyways so I don't worry about anything that's more hten $10000 (I think most colic surgeries are like $7-10000).

The last horse I insured was for $10,000 and I think it was like $700 for the year. Mortality and Major Medical. I sold the horse partway into the year and they prorated the fee and gave me my money back for the days I did not use. I believe most insurance companies work this way.

Anyways, there's a lot that goes into insurance so I'd just give a few a call.
    06-07-2012, 10:22 PM
You can get liability insurance through USEF, which is $35 membership for I believe 8 months?

Markel Insurance gives you major medical and mortality with optional liability for less than what I've been quoted for other companies.

But it pays to ask them yourselves since you are right.. it does vary.
    06-08-2012, 03:19 PM
Thanks so much for the replies you guys! I will try calling some of the companies you suggested :)

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