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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
  • Do i have to get insuance for my leased pony

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    04-04-2013, 11:15 AM
  #1
Foal
Horse insurance

What do you think about having insurance on roses? Do you have it?
     
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    04-04-2013, 11:26 AM
  #2
Banned
Insurance on roses? Lol. I know what you meant though. I don't own a horse, nor do I know anyone who has insurance, but I'm subscribing to this thread because it's something I'm curious about as well. I thought if I ever do get a horse, it might help relieve worry over the possibility of vet bills.
     
    04-04-2013, 11:27 AM
  #3
Started
Insurance on roses? I'm sure my agent would look at me funny.
     
    04-04-2013, 11:29 AM
  #4
Foal
Quote:
Originally Posted by wetrain17    
Insurance on roses? I'm sure my agent would look at me funny.
*****horses*******
Sorry xD
     
    04-04-2013, 06:36 PM
  #5
Foal
Does anyone have insurance on thier horses? If I lease this horse I might be getting I'm going to have to get insurance on it. Bc that's what the owner want and is one of the things she has Rohan's for me to lease him.
Help would be appreciated
     
    04-04-2013, 07:48 PM
  #6
Weanling
I have never heard of a leaser purchasing insurance for a horse they do not own. Insurance for yourself? Yes.

I have both my mares insured through my own insurance. I also have my saddles insured. I pay once per year (can't remember how much), and it insures them against barn fire/trailer accident/death due to surgery (I think). If any of those were to happen, I would be payed their worth.

I think that would honestly be something that is up to they owner to pay, unless the horse/tack/what have you was already insured and the owner has included that cost in your lease fee. Just my 2 cents.
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    04-04-2013, 08:24 PM
  #7
Yearling
My mare is insured, I pay once a year for Mortality and Medical. Its an easy process.

I have heard of leases being insured, to protect yourself should something happen to the horse while you were using it. Otherwise you could be liable for the full worth of said horse.
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    04-04-2013, 08:46 PM
  #8
Showing
Yes. It gives me peace of mind that he's covered and wouldn't drain my bank account should something happen.
It's common here to carry insurance on a leased horse - premium paid by the lessee, paid out to the owner of the horse.
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    04-04-2013, 08:57 PM
  #9
Foal
Quote:
Originally Posted by beverleyy    
I have never heard of a leaser purchasing insurance for a horse they do not own. Insurance for yourself? Yes.

I have both my mares insured through my own insurance. I also have my saddles insured. I pay once per year (can't remember how much), and it insures them against barn fire/trailer accident/death due to surgery (I think). If any of those were to happen, I would be payed their worth.

I think that would honestly be something that is up to they owner to pay, unless the horse/tack/what have you was already insured and the owner has included that cost in your lease fee. Just my 2 cents.

Okay that helps I wasn't sure what it covered and it is covered in the lease.
     
    04-04-2013, 08:59 PM
  #10
Foal
Quote:
Originally Posted by JustDressageIt    
Yes. It gives me peace of mind that he's covered and wouldn't drain my bank account should something happen.
It's common here to carry insurance on a leased horse - premium paid by the lessee, paid out to the owner of the horse.
Oddly down here its pretty uncommon at least in the area I live in
     

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