Do You Need Horse Insurance?

“There’s something about the outside of a horse that’s good for the inside of a man,” wrote British naturalist John Lubbock in 1894. Today, he might have changed it to the “inside of a rider,” because (regardless of gender) anyone who owns and loves horses would certainly agree.

Whether your equine-mounted adventures take place on the show ring circuit or along meadow, forest and mountain trails, protecting your trusty steed with horse insurance can bring tremendous peace of mind.

Why Having Horse Insurance Makes Sense

For professional breeders and trainers, horse insurance is a financial necessity. The loss of a top breeding stallion or broodmare, world-class sport horse or stakes-winning race horse can be financially devastating.

Even promising young horses that have yet to prove themselves in competition represent significant investments of time and money. But what about family trail horses or children’s ponies? Does horse insurance makes sense for animals without high price tags? Yes, and here’s why!

Owning Any Horse Requires a Financial Investment

Whether your horse was a purchase, a gift or friend you’ve raised from a foal, you’ve spent a lot of money keeping it healthy and happy. And you’ll continue doing so. No matter how you look at it, being a caring horse owner doesn’t come cheap.

In case of an injury or illness, major medical insurance can make a significant dent in the cost of veterinary bills, hospitalization and medication. Mortality insurance will never replace your horse, but at least it can help make you financially whole.

Getting a Horse Insurance Quote

Getting a horse insurance quote that meets your specific needs can take a lot of time. To simplify the process, restrict your search to reputable, financially stable insurance companies that specialize in equine coverage.

And if the agent you speak with can’t clearly explain the company’s claims process, move on. After all, you have better things to do, like spending time with your horse!