Do you have horse insurance? - The Horse Forum
 
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post #1 of 7 Old 03-07-2013, 03:10 AM Thread Starter
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Join Date: Jun 2009
Location: British Columbia
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Do you have horse insurance?

Pretty self explanatory, do you and what do you pay? How much does it cover?
I'm debating getting some, but I'm not quite sure how much to get, etcetc. I'll speak to the insurance agency to talk numbers, that's all well and good, just curious about you folks and what you get / what you pay.

I had insurance on the mare I was free leasing, but I honestly can't remember what I was paying for it at that time or how much we covered...
alexischristina is offline  
post #2 of 7 Old 04-03-2013, 08:42 PM
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I was just wondering the same thing today. What is the reason for insuring a horse? Is it beneficial? Is it like other pet insurance?

Hope others can get all our questions answered. :)
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post #3 of 7 Old 04-03-2013, 08:46 PM
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Yes, I have insurance for when my horse hurts me. Isn't that horse insurance?
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post #4 of 7 Old 04-03-2013, 08:50 PM
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Join Date: Aug 2012
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Subbing..I'd like to see what other say. I'm debating if I should get horse insurance.

For the wretched of the earth there is a flame that never dies.
Even the darkest night will end and the sun will rise.
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post #5 of 7 Old 04-03-2013, 08:54 PM
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I have equine liability insurance. Really foolish to not have it in my opinion, too many sue happy people out there. Basically it covers damage that my horse causes. That can mean to property or people. I have a very low coverage amount that is really just the basic at only $300,000 and I pay like $20 a year. It's added onto my renters insurance.

Edit: This is not like health insurance for my horse. That is completely separate and would go through a different insurance company. Plus my horse is too old to be covered.
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post #6 of 7 Old 04-04-2013, 12:06 AM
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Yes I do, always have done and yes I have called upon it on more than one occasion. My two are insured for (can't remember the correct terms) veterinary fees up to $5,000 p.a. plus cost of euthanasia & disposal of body. Only exclusions are pre-existing conditions.

In my experience, if your horses are worked hard, in potentially challenging conditions, then insurance is worth it because accidents do happen to horses!

However, I have friends who own gobsmackingly expensive dressage nags who don't insure because the cost of the premium is a large fortune.

Now I'm in Canada, I'm with Capri.

Get up, get going, seize the day. Enjoy the sunshine, the rain, cloudy days, snowstorms, and thunder. Getting on your horse is always worth the effort.
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post #7 of 7 Old 04-04-2013, 01:12 AM
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I have liability through my homeowner's policy, and also have mortality and major medical. My horse wasn't super expensive (so the policy doesn't cost an arm and a leg), but he wasn't cheap, and I'm quite attached to him; if something were to happen to him, I'd want to be able to give him the best possible chance of not only surviving, but also staying sound.

Back when I was leasing, "my" horse got what seemed like a small injury at first. Unfortunately it was on the inside of his knee and punctured a tendon sheath. It required an emergency visit from my vet and the bill was over $500. Vet bills add up very quickly. The major medical policy I have now covers 100% after a $300 deductible (assuming it's not one of the things excluded in the fine print ). A lot of people hold off on calling the vet because of the cost; I know I can afford a $300 vet bill and I also know that many injuries have a better prognosis when they're treated early, so when/if something happens, I don't have to stress about whether I should call the vet or wait and see if it's "really that bad."
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