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.
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
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.
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.
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.
I have it. I think its the best thing ever but its one that is offered in our province so I have no idea if it would be the same where you are. This is the basics of what we get:
Benefits of an individual or family membership include:
$5,000,000 Liability Insurance
$30,000 Accidental Death & Dismemberment Insurance ( for 2013 does not include dental & fractures)
Transportation Insurance for Non-Owned Horses
Enhanced / Incidental / Emergency liability for the care custody of non-owned horses (NEW for 2013)
Discounts through the HCBC Affinity Program
Special Horse Council BC rates on subscriptions to:
Pacific & Prairie Horse Journal
Saddle Up Magazine
Western Horse Review
Horse Canada
Horse Sport
Canadian Thoroughbred
Optional Add On Insurance also available including:
Members' Tack Insurance
Additional Accidental Death & Dismemberment
Members Named Perils
Travel Insurance
Enhanced Personal Liability
Hope that helps!
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