horse insurance? - The Horse Forum
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post #1 of 5 Old 11-28-2006, 04:12 PM Thread Starter
Join Date: Nov 2006
Location: Gap, PA
Posts: 13
• Horses: 0
horse insurance?

I was just curious if anyone here has insurance on their horse(s)? And, if you do, what coverages do you have?

When I called a few "local" insurance companies (and the Farm bureau here), I was surprised to find out that many horse owners don't even bother w/ insurance. To me, that's very surprising. I mean, it's not like a horse only costs $50 and accidents never happen.

My horse (assuming I buy him), will be boarded, so I'm not sure what the boarding facility's coverage is, or even if it covers anything related to my horse at all...

I'm figuring I'll at least get:

Mortality/Theft coverage
Liability coverage

Also, he's a stallion and I want to stud him once in a while. Should I get infertility coverage then?

Just curious as to what others have (if anything). And, if it's not too personal, which company you use?

(If this info is too personal, you can send me a PM so it's not public)

Thanks in advance.
dave_in_delaware is offline  
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post #2 of 5 Old 11-28-2006, 07:04 PM
Join Date: Nov 2006
Location: Nebraska
Posts: 66
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I've been thinking along those lines too, but I haven't had too much time to look into it too much. I would probably get something that would only cover major surgery and death though for my horses. Things that I wouldn't be able to afford w/o insurance.

As far as infertility goes, I would only get that if you have an extremely valuable stud. Is he a money earner? or does he show in graded shows? if not I wouldn't do it.

Mercury - 2002 bay tb gelding
Cobalt - 2006 bay sw warmblood x QH gelding
Cricket- 1996 chestnut tb gelding

Bella Blues - 2007 Australian shepher/Blue heeler mix
Titan W. - 2008 Jack Russell Terrier
Mercury is offline  
post #3 of 5 Old 12-05-2006, 05:35 PM
Join Date: Dec 2006
Posts: 29
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hiya mine r both insured for pretty much everything, straying, theft illness, personal and public laibilty, tack insurance, disposal of body in event of death.. and i pay around £500 a year for both of my ponies. hope this helps.. by the way, sounding by what your going to be doing with your horse.. id highly recommend! good luck
sammiwhiskers2k6 is offline  
post #4 of 5 Old 12-06-2006, 05:28 PM
Join Date: Nov 2006
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My current horses (grade gelding and mares) are not insured. Have had a couple insured in the past. My experience was to go with who the commercial farms (racing, showing) use. They have already done the homework on who gives the best service. Most farm managers are happy to share their smarter/better decisions.
Good Luck.
branDcalf is offline  
post #5 of 5 Old 12-20-2006, 11:39 AM
Join Date: Dec 2006
Location: illinois
Posts: 7
• Horses: 0
I think it is a really good idea to have some sort of major Medical insurance. You never know when a horse may just trip and then break a leg, or be fine one day and the next have colic. Its a scary thing to think about, but ive seen it before, my favorite little pony died of colic.
hunter_princessll==ll is offline  

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