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
Join Date: Jun 2009
Location: British Columbia
Posts: 2,473
• Horses: 1
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
Join Date: Mar 2013
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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. :)
Calisphere is offline  
post #3 of 7 Old 04-03-2013, 08:46 PM
Join Date: May 2011
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Yes, I have insurance for when my horse hurts me. Isn't that horse insurance?
Clayton Taffy is offline  
post #4 of 7 Old 04-03-2013, 08:50 PM
Join Date: Aug 2012
Location: On the golden coast of Michigan
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Subbing..I'd like to see what other say. I'm debating if I should get horse insurance.

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post #5 of 7 Old 04-03-2013, 08:54 PM
Green Broke
Join Date: Jan 2012
Location: Minnesota
Posts: 3,498
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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.
poppy1356 is offline  
post #6 of 7 Old 04-04-2013, 12:06 AM
Join Date: Jan 2012
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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.
Shropshirerosie is offline  
post #7 of 7 Old 04-04-2013, 01:12 AM
Join Date: Jul 2011
Location: Portland, OR
Posts: 5,323
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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."
verona1016 is offline  

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