Is your horse(s) insured? - Page 2 - The Horse Forum
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post #11 of 29 Old 01-16-2013, 11:41 PM
Join Date: Nov 2012
Location: Indiana
Posts: 2,215
• Horses: 4
I wonder if most or any of the insurances would cover a horse while showing or training??? I know my health insurance didn't cover anything that would of happened when I was racing cars just wondering .
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post #12 of 29 Old 01-16-2013, 11:46 PM
Join Date: Dec 2012
Location: Tucson, AZ
Posts: 740
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While I have thought about it, I don't insure my horse. I paid $4k for him, but he was actually for sale at $7.5k shortly before I bought him (former owner is a friend). If I was leasing him? Heck, no way would I bother with insurance! :)

Insurance is a gambling game, and it has to be profitable for them somehow... just keep that in mind. :)
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post #13 of 29 Old 01-17-2013, 12:16 AM Thread Starter
Join Date: Aug 2012
Location: Who knows these days
Posts: 1,872
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With a bit of digging, apparently I can place the horse on the insurance I have for my other animals I get 70% off of that, because I work with a dog rescue that I get a discount for, and I get another discount for my adopted mutt and kitten.

“Thoroughbreds are the best. They’re lighter, quicker and more
intelligent. The best of any breed is the Thoroughbred horse, the best
of that breed is better than any other breed." - George Morris
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post #14 of 29 Old 01-17-2013, 03:16 AM
Join Date: Apr 2011
Location: Thunder Bay, Ontario Canada
Posts: 493
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Perhaps my insurance is different than what you are talking about. I think I pay about 60$ a year and it is insurance just not health insurance. This insurance covers me if my horse gets out and gets hit by a car or hurts someone or causes an accident. it also covers me if I get into an accident on him and need to see the Dr. I like to trail ride with several other people and we travel to other provinces as well as in the states. As I understand it if my horse was on a trail ride and kicked at the horse behind him it would cover the other horse (and riders) medical expenses. it would also cover any property damage that my horse caused. I haven't checked the policy recently but I think there is also something like 4000$ accidental death insurance on him. For the price I pay it sure buys peace of mind. For an additional $20.00 a year I think I would have gotten $1000.00 insurance on my tack if it was damaged or stolen or anything (but I didn't opt for this)
post #15 of 29 Old 01-17-2013, 03:24 AM
Green Broke
Join Date: Oct 2010
Location: Some times Llanelian - North wales, sometimes Hull in East Yorkshire (UK)
Posts: 3,703
• Horses: 5
Reeco is fully insured. Insurance covers 3rd party, theft, medical bills, death, disposal and loss of use. It also covers my tack.
I have claimed close on £4000 for vets bills last year alone for a fractured pelvis.

it costsme £30 a month

RIDE your horse FORWARDS and keep him STRAIGHT

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post #16 of 29 Old 01-17-2013, 03:41 AM
Join Date: Jul 2011
Location: Portland, OR
Posts: 5,323
• Horses: 1
My horse is insured, major medical as well as death. While he's not a super expensive horse, I certainly don't have the money lying around to buy another horse, and I don't want to have to dip into our emergency fund to pay a huge vet fee if he needs colic surgery or any other medical procedures.

I wouldn't get insurance on a "project" horse (if I can ever convince DH to let me get one), but right now I only have one horse and he is my heart horse. I want to know that he can get whatever he needs to save his life or keep him sound and healthy.

Our home insurance policy covers liability for any injuries to other people or property damage he might do, as well as my tack whether it's at the barn or in my home. (Not all do, so one should double check with the company before counting on that)
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post #17 of 29 Old 01-17-2013, 03:50 AM
Join Date: Mar 2012
Location: Scotland
Posts: 495
• Horses: 2
I have Geoff fully insured to cover theft and straying, accidental death, vet fees, third party liability, my tack and myself riding him both at home, hacking out and competing up to medium dressage and BE90 eventing as well as unaffiliated SJ and hunter trials (will update it to cover more affiliated venting once he's actually there...). Costs me £45 a month, but its with Petplan and they are a bit more expensive, however they offer full lifetime cover for example if he got diabetes, my insurance would cover the full amount for his insulin etc and ongoing treatment every year I have a policy with them, not changing the condition to be pre-existing on policy renewal which a lot of companies do. After seeing what vets bills for minor lamenesses etc come to a year, it will save me money just on those, let alone if something big came along. And ofc the third party insurance is just sensible these days - if I were hacking on the road and Geoff was to throw me and cause someone to crash their car, I would NOT be able to afford what they'd sue me for...
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post #18 of 29 Old 01-17-2013, 04:04 AM
Join Date: Aug 2010
Location: Southeastern PA
Posts: 9,470
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Originally Posted by ARTEMISBLOSSOM View Post
I think I pay about 60$ a year

Originally Posted by faye View Post

it costsme £30 a month
Holy epic difference, 30 GBP is $48 = $576 a year.

Originally Posted by minstrel View Post
Costs me £45 a month,
This is even worse, $72 a month = $864 a year.

Mind if I ask what your horses are valued at?
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post #19 of 29 Old 01-17-2013, 04:23 AM
Green Broke
Join Date: Oct 2010
Location: Some times Llanelian - North wales, sometimes Hull in East Yorkshire (UK)
Posts: 3,703
• Horses: 5
Alex Reeco is insured for £5000 and my tack for £2000 however the main contributor towards the cost is the loss of use I have on him which will pay me his full value should he be injured badly enough to stop him being a show horse but not badly enough to warrent having him PTS. Oh and I should have put my insurancepolicy also covers dental insurance, life insurance and injury insurance for me it is is as a result of falling from Reeco.

also Artemis is talking about her insurance not covering vet bills only 3rd party and medical bills for herself. well I can get 3rd party cover here for £40 a year (being in the uk dont have to worry about medical bills except for dental or if i wanted to go private)

minstrel i'm with petplan too. They paid out an enormous sum no questions asked when stan died havin just paid out for loas of treatment on his leg as well.
They paid out loads for Reeco's pelvis as well

RIDE your horse FORWARDS and keep him STRAIGHT

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post #20 of 29 Old 01-17-2013, 04:49 AM
Join Date: Aug 2010
Location: Southeastern PA
Posts: 9,470
• Horses: 1
Faye, her horse is insured for a value of 2500GBP (don't have a pound sign on my keyboard). She is also covering other medical expenses and costs for her horse getting free and causing damage.

With another 12.50GBP a year she would have tack insurance.

Your pay out is higher, but is it that much higher?
AlexS is offline  

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