Horse Insurance? - The Horse Forum
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post #1 of 5 Old 07-31-2013, 08:23 AM Thread Starter
Join Date: Mar 2013
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Horse Insurance?

So, I have some general questions about Equine Health Insurance...
I was just googling about and seen most of it is generally for racehorses and trainers etc.

But I came across what I think is called "Major Surgery and Medical" horse insurance, that can cover the cost of vet bills and even expensive colic surgery for horses between 3 mo. to 15 years I believe..

I was wondering how many of you have tried looking into this, and what are your thoughts and knowledge? Do you think it's better to have this? or to just pay vet bills outright with no insurance? Do all vets take all horse insurances? or are they selective, or does the insurance generally not cover vet visits? What are your thoughts?
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post #2 of 5 Old 07-31-2013, 08:33 AM
Join Date: Dec 2011
Location: Maryland
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Try Great American Equine..they have multiple agencies that provide insurance. I used them for my last two horses and yes, they provide major medical and mortality. They also have liability and other forms of insurance for barn owners etc.

One agency under them changed their policy and won't take an insured unless the horse is insured for 15K or better..proof is required like bill of sale, show record (at time of mortality claim) etc.

Major medical includes anything not routine vet related (won't cover the quarterly vaccines, coggins etc) and colic surgery up to $10,500 I think it is. You have the standard deductibles per incident.

Equine Insurance - Welcome - Equine Mortaility | Horse Racing | Showing | Pleasure Riding
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post #3 of 5 Old 07-31-2013, 12:41 PM
Join Date: May 2011
Location: Wellington, FL
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My fancy show hunter from when I was younger was insured and it covered major vet bills and colic surgery...meanwhile we never thought to insure my other horse because, while I loved him and he always did well for me, was not worth a lot in monetary value. He was a trail horse we plucked out of a field and said "here, jump this." We had a lot invested in my big hunter so we saw the insurance as being potentially useful. It is more of a preference thing. Most show horses I know are insured.

Colic surgery is very expensive, I know first hand. My horse I recently sold had to have it. At the end of it my vet bill was $8,000, and that is the inexpensive end of the range because they didn't have to remove anything. Had I had him insured, it would have covered most, if not all of the surgery costs. Most equine insurance policies don't cover typical vet visits, just major medical and colic.

Last edited by countercanter; 07-31-2013 at 12:44 PM.
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post #4 of 5 Old 07-31-2013, 12:56 PM
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No insurance is cheap (at least it isn't in the UK)
Yes, they will cover vet fees but, if your horse does have a major issue then they will not cover for that issue the following year.
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post #5 of 5 Old 07-31-2013, 11:32 PM
Join Date: Mar 2009
Location: Connecticut
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I wouldn't call my premium cheap, but if my horse ever colics, knowing I only have to pay $500 towards an expensive surgery is worth it to me.

You just have to see your don't have to like it.
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