Who here insures their Horse? - The Horse Forum
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post #1 of 20 Old 12-09-2009, 05:08 PM Thread Starter
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Who here insures their Horse?

Years back as a first time horse, it never would have crossed my mind to insure my mare. Over the last few years I have been insuring my horses(just filled the insurance papers for my new gelding), mainly because they have been boarded and trained/ridden by riders other than me.

But I was curious, who else here has their horse insured or in the process of insuring him/her?
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post #2 of 20 Old 12-09-2009, 05:19 PM
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Denny was insured from Oct 08 to 09, then I let it lapse - I should have renewed. Now that I have a lessee, we will be getting insurance (full coverage - major medical, surgical and mortality) with me as the beneficiary, that way if anything happens, there is no need to fight over vet bills or, in the event of death, compensation.
I really do like having him insured. It gives me peace of mind in case I don't have a ton of money in my bank account if he hurt himself really badly.
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post #3 of 20 Old 12-09-2009, 05:23 PM
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i have never insured a horse before, but i do want to insure my mare at some point when i have the $$ to... how much does it cost per year generally ?

Gypsy & Scout <3
Everybody is a genius. But if you judge a fish by its ability to climb a tree it will live its whole life believing that it is stupid. ~Albert Einstein
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post #4 of 20 Old 12-09-2009, 05:29 PM
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Denny is insured for $5000, for major medical and mortality, it's $370/annum.
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post #5 of 20 Old 12-09-2009, 05:37 PM
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I insure Robbie. He's got full coverage and thank God he does. :]
Right after I bought him, he had a really, really bad bout of colic and almost died. Vet bills were crazy expensive and if insurance didn't cover thsoe expenses, he would've been put down. I just don't have that kind of money to pay for that and he would've died if I didn't have him insured. Also, if he is stolen or gets a carrer-ending injury, we get money back for him. Right now he is insured for $35,000 and we pay $500/year. I honestly don't know why you wouldn't insure...it takes the worry out of "how am I ever going to pay for this?!?" if your horse is hurt or really sick. :]


:: rachel && della volta ::
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post #6 of 20 Old 12-09-2009, 06:10 PM
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When we buy Zeus, we'll get insurance.

I give myself very good advice, But I very seldom follow it
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post #7 of 20 Old 12-09-2009, 06:24 PM
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I looked into it. For the major medical, mortality and liability for my two horses it would be like $1000. I just want major medical and it urkes me no one offers just that, without mortality. I figure I'll save that money somewere if we actually need it.
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post #8 of 20 Old 12-09-2009, 06:30 PM
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Where did you find the company that you insure your horses through? I have always wanted to do this but never knew where to go.

:: Karley ::
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post #9 of 20 Old 12-09-2009, 07:47 PM
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Oh yes! We would be out if any of our horses died, especially Ben. I might not insure a $500 horse (not sure, never had one to know) But both our current horses have insurance. It's worth the peace of mind, especially with Ben so accident prone.
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post #10 of 20 Old 12-09-2009, 08:39 PM
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Never have... but I would like to sometime in the future...

Horseshoe Loop Farm: Home of Gypsie (22 y/o TWH mare), Dakota (10 y/o TWH gelding), Codie (18 y/o Walkaloosa gelding) & Harlow (9 y/o APHA mare)
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