Horse insurance policies and companies

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Horse insurance policies and companies

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    01-13-2014, 11:31 AM
Horse insurance policies and companies


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.
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    01-13-2014, 06:52 PM
    01-13-2014, 07:01 PM
It's not worth it for us to insure, but I know folks that insure through Markel.
    01-13-2014, 07:54 PM
Green Broke
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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