Horse insurance policies and companies - The Horse Forum

 
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post #1 of 4 Old 01-13-2014, 10:31 AM Thread Starter
Foal
 
Join Date: Nov 2012
Location: Washington (no, not D.C.)
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Horse insurance policies and companies

Hi.

So when I go off to college, I want my rodeo horse insured. Granted, it's a looooong way off, and I'm hopeful for a rodeo scholarship, meaning I don't know exactly what that will cover, but I want to have a plan of action in place in the event it doesn't cover vet bills.

Please note that I will be in college, and resources will most likely be limited. I also have a bit of a nest egg that will be dedicated to my horse's well being when I go.

Anyone have experience with horse insurance? I will obviously want major medical and probably liability, because it would stink to be stuck with someone's property or personal damage.

No, I don't like plaid-- oh, you think that's weird because I am a "farmer", and farmers wear plaid-- well if you looked at my little dirt patch I call a garden, you would think twice
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post #2 of 4 Old 01-13-2014, 05:52 PM Thread Starter
Foal
 
Join Date: Nov 2012
Location: Washington (no, not D.C.)
Posts: 145
• Horses: 2
Anyone?

No, I don't like plaid-- oh, you think that's weird because I am a "farmer", and farmers wear plaid-- well if you looked at my little dirt patch I call a garden, you would think twice
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post #3 of 4 Old 01-13-2014, 06:01 PM
Trained
 
Join Date: Apr 2008
Location: Orange County, NC
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It's not worth it for us to insure, but I know folks that insure through Markel.

On the sixth day, God created the Quarter Horse.
On the seventh day, he Painted the good ones.
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post #4 of 4 Old 01-13-2014, 06:54 PM
Green Broke
 
Join Date: Aug 2009
Location: New South Wales, Australia
Posts: 4,747
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I looked into it briefly and deduced that my horse would have to be worth a lot for it to be worth insuring.

Look into it though, most basic packages are just mortality so look for vet cover. Often there will be different sorts, like they might have up to $10,000 for life saving surgery but doesn't cover other sorts of vet bills which might have less coverage and a high excess.

Loss of use is apparently very hard to prove. Some insurance policies require full vet checks and leg xrays before approving the cover.

So yeah, I just advise to really read the small print :)
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