05-19-2008, 03:00 PM
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We did insure our horses last year, but not this year. We were only pleasure riding them, not competing and not really jumping either.
Though I do know the insurance will help out if your horse needs colic surgery, and things along those lines, but i'm not sure if first you have to pay for it and then the insurance company reimburses you.
It's always a good thing to have.