Mortality Insurance? What do you think? - The Horse Forum
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post #1 of 16 Old 06-10-2013, 11:42 PM Thread Starter
Join Date: Jun 2013
Location: Down in Alabama
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Mortality Insurance? What do you think?

A lady and I were discussing horses, and she told me a story about a beautiful 3 yr old horse that they were training to show, and had no health problems at all. It had gotten cold and they had two blankets on her, she was checked on around 9 pm, but, the next morning, she was found dead. Autopsy showed she died from a bacterial form of strangles that hit her horse fast. She just fell over as if she died standing up.

So, she mentioned that she wished she had some insurance on her horse because of how much time and money they had put into her. She recommended that I look into Mortality Insurance in case something happened and I wanted to get back the cost of what I paid for my horse.

Any thoughts? My horse is a 10 yr old mare.
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post #2 of 16 Old 06-11-2013, 11:46 AM
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Insurance is really dependent on what you do with your horse. Are you putting a lot of money into your horse? Is she worth a decent chunk of change? It's kind of like car insurance. They will only give you what they deem worthy, not necessarily what you think she's worth.

I would think it over seriously and talk to some insurance companies about the costs and weigh the pros and cons before making a decision. I don't know a lot about horse insurance, but I know it isn't a decision I would take lightly. Good luck!

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post #3 of 16 Old 06-11-2013, 11:54 AM
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I have horse insurance, I got it because I wanted the public liability in case he escaped and caused any major damage. There's other stuff on it too, vets bills if he has an accident etc. It's not expensive and gives me peace of mind in this respect.
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post #4 of 16 Old 06-11-2013, 04:39 PM
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I have coverage for my gelding and I'm very happy that I have it. When I first purchased him he was 3 and had only just been started under saddle. I also got him at a price that didn't take into account his breeding. As a result of this he wasn't worth much on paper (to me he was worth a bunch) and so it was difficult to find an insurance policy that made sense. Now that I have put almost a year's worth of training and time into him I am able to insure him - and I have. I got mortality and medical/surgical. I do plan on adding the performance onto my policy as well. I found that if a horse is valued at $5,000 or more insurance works (costs, and deductibles, etc.). Anything under $5,000 I just couldn't seem to get the numbers to work (they generally told me that coverage would be up to $2,000 with a $500 deductible and a yearly fee of around $250 for the insurance). I'm not sure that helps, but that's what I learned. I also live in Canada, so insurance may be different where you are from.
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post #5 of 16 Old 06-11-2013, 05:17 PM
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Originally Posted by sparklefox View Post
I have horse insurance, I got it because I wanted the public liability in case he escaped and caused any major damage. There's other stuff on it too, vets bills if he has an accident etc. It's not expensive and gives me peace of mind in this respect.
Thanks for this thread. This is something I had been thinking about also. I found it to be as low as $10. I think I'm going to do it, just for peace of mind in case something happens to someone else or someone else's property.
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post #6 of 16 Old 06-11-2013, 05:20 PM
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Prunella, some associations and organizations have group insurance rates that are very reasonable. See what pricing you can get and then decide.
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post #7 of 16 Old 06-11-2013, 07:24 PM
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I always carry liability on mine which is totally different and separate from mortality. I did have mortality on my guy when he was in training, since the trainer required it. I have since let it go. My liability is $500 per year and covers both horses, and as
I recall the mortality was around $250 for about 10k. I probably should look at it again, and include the major medical.

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post #8 of 16 Old 06-11-2013, 07:43 PM Thread Starter
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Location: Down in Alabama
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Thanks for all the response and helpful answers. The former bo told me that my mare was too old to get insurance, and companies wouldn't insure any horse over 5 yrs of age....? Oh well, will do some research on this issue, especially if she could get out and cause damage to someone's property or people. Not that she is wild, but, anything could scare a horse to cause a problem.
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post #9 of 16 Old 06-11-2013, 08:05 PM
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Some form of insurance to cover vet costs in the event of a major injury/illness is never a bad idea. As for mortality insurance, it's all a matter of whether you think it's worth it. I don't carry insurance of any kind on any of my horses. I have a good relationship with both vets in the area and they are very reasonable about payment plans when something big comes up.

And, most of my horses aren't worth enough in this market to be worth having mortality insurance on. Their purchase prices were either very low or free and the only real money I have invested in any of them is the feed and my own time for training.

Anyway, if you worry about it and you can afford the premiums, then go ahead and get her insured. I suppose it's better to have it and not need it than to need it and not have it.

Always remember that feeling of looking at a big, open country over the ears of a good horse, seeing a new trail unwind ahead of you, and that ever-spectacular view from the top of the ridge!!! Follow my training blog:
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post #10 of 16 Old 06-11-2013, 08:15 PM
Join Date: Oct 2007
Location: Alberta, Canada
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My insurance company will insure horses 3-16 years old, and you can choose to add major medical/surgical on horses valued at $5000 or greater. I have major medical/surgical as well as mortality on Ronan, it's peace of mind in case something were to happen, I don't have to worry about anything but the deductible. I have liability insurance through my provincial equestrian federation.

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