Originally Posted by DancingArabian View Post
The PPE and shipping may change depending on where you shop at. If you're not buying local you should also factor in the costs to go where the horse is and you really should have a very experienced horse person with you, which means you'll have to compensate them for their time.
You can't depend on the insurance plan. It's very very easy to wrack up a huge vet bill, insurance or not. It's also really easy to stay below the deductible repeatedly. A horse could easily have multiple sub $500 vet bills in a short period.
Some barns require an extra month's board in advance as a security deposit.
The horse may also end up not being as advertised/presented in training so you may end up needing a trainer. I don't know your level of experience but its possible that what needs fixed is beyond your ability. Lots of people who don't show have trainers.
The horse may also need a chiropractor once or twice a year. I've seen chiropractor visits costing a couple hundred dollars per visit.
Sometimes horses require frequent shoeing or special shoes. I know a couple OTTBs with such awful feet they need to be done every 3 weeks or else they rip shoes off. They need shoes on all fours.
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Thanks, you've given me a lot to think about!
Most training snags I can handle myself, but, I said in an earlier post, any issues that require a trainer I would be paying for with my personal money. Luckily I'm a college student, and still live at home, so almost all of my income is free to be spent on whatever I like.
How much do you figure for an emergency vet fund? I planned on $1,000. The insurance I would be using has a $300 deductible, so $1,000 would get me a few visits. And, I should have mentioned this earlier, its not like I'm going to get to $1,000 and stop, I would like to have that much in the bank when I first purchase the horse, but would continue adding money in over time. Does $1,000 seem like to little too start off with?
And I'd stay away from horses like that, really only looking for easy keepers, I don't need any extra expense haha Posted via Mobile Device