Is your horse insured? - The Horse Forum
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post #1 of 12 Old 12-08-2010, 08:41 PM Thread Starter
Join Date: Dec 2010
Location: SF Bay Area
Posts: 25
• Horses: 1
Is your horse insured?

Hey everyone,

Is your horse insured? What is the reason you insured him or didn't insure him? I'm trying to figure out whether or not to insure my horse. We got him for a decent price as he was a prospect that we are now training as a hunter jumper. But I do expect his value to increase once he gets enough training and gets some shows under his belt. Also, if you guys don't mind sharing (if you do I totally understand), approximately how much do you pay for your horse's insurance?

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post #2 of 12 Old 12-09-2010, 08:46 AM
Join Date: Sep 2010
Location: Ontario, Canada
Posts: 185
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My horse is insured, I wont say for how much, but basically for the price that I paid for him. When I bought him, he was shipped up to Canada from Florida, so we felt insurance would be benificial and decided to stick with it as he has become a great prospect. I think having insurance is great. Hopefully we never need to use it, but just in case, it is only a small dollar amount each month to pay for ease of mind.

"No hour of life is wasted that is spent in the saddle ~ Winston Churchill"
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post #3 of 12 Old 12-09-2010, 08:52 AM
Join Date: Sep 2010
Location: Ontario, Canada
Posts: 185
• Horses: 1
Sorry for the double post. I forgot to mention that the amount you pay for the insurance all depends on how much you insure the horse for and the type of premiums and limits you want to apply to it. I personally have quite a bit of coverage, and feel that it's very affordable. I am sure you could get some information from some of the different insurance companies and "shop around" and get a feel for what they offer.

"No hour of life is wasted that is spent in the saddle ~ Winston Churchill"
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post #4 of 12 Old 12-09-2010, 10:25 AM
Join Date: Mar 2010
Location: in my stables
Posts: 1,210
• Horses: 9
No i never insured any of my guys and i dont know anybody who does either its not a very common practice over here

To give a horse your heart guarantees a love that will last forever undamageable
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post #5 of 12 Old 12-09-2010, 12:33 PM
Join Date: Mar 2009
Location: Middle-of-Nowhere, Illinois
Posts: 2,225
• Horses: 1
Yep, my guys have liability and mortality insurance. Liability is required in my area.

"A musician must make music, an artist must paint, a poet must write, if he is ultimately to be at peace with himself.
What a man can be, he must be.
" Abraham Maslow, 1968
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post #6 of 12 Old 12-09-2010, 01:47 PM
Join Date: Apr 2010
Location: Ontario
Posts: 459
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Absolutely 100%. For medical (up to $15,000) and surgical (up to $15,000), as well as mortality. I believe the medical and surgical is per incident as well. I went with the best company possibly available in my area and 100% do not regret the decision - knowing that if my mare gets hurt and I'll be able to help her through it without basing my decisions on my financial situation is the greatest freedom I could ever have. Good luck with your decision!
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post #7 of 12 Old 12-09-2010, 08:19 PM
Join Date: Aug 2010
Location: Topeka, KS
Posts: 44
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Just an FYI for a couple of things.

Generally you can only insure your horse for it's value. If the horse wa bought within the last year that will generally be the value (certain things could increase it such as show records, blood lines being proven, ect.) Most of the time if you choose to add medical the limitation will be for the value of the horse up to a certain amount (usually 10k-15k). Most carriers have minimum premiums and generally discourage insuring lower valued horses. For most the rate is 3%-4% for mortality and $300-$500 for medical. So say you have a $10,000 quarter horse and want mortality and medical. You would be looking at approxiamately $600-$650 a year.
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post #8 of 12 Old 12-09-2010, 08:29 PM
Join Date: Aug 2009
Location: Ohio
Posts: 10,441
• Horses: 0
No, my horses aren't insured because none of them were bought for more than $1000 and I don't see the need to
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post #9 of 12 Old 12-09-2010, 08:56 PM
Join Date: Mar 2009
Location: Connecticut
Posts: 8,157
• Horses: 0
Mine is insured. Colic surgery alone would wipe me out without it. It's well worth the piece of mind it brings.

You just have to see your don't have to like it.
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post #10 of 12 Old 12-09-2010, 09:05 PM
Join Date: Sep 2007
Location: Maryland
Posts: 1,348
• Horses: 4
All four of mine are fully insured for the amount I paid for them. I think it's pretty affordable too. I have mine through the EMO agency and they helped a lot with medical pills (and our horses a very healthy).
Horses are kind of like car that get damaged more easily according to my mom, so we've insure a horses the day we buy them so they are covered for the trailing home.
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