Do We Need Equine Insurance?

Yes as we said top show horses, race horses and* reproduction (stallion and mare fertility)
other horses are have equine insurance, but should we* and even international transit.
insure ourbackyard pony or our daughter horse? DoesBasic types of coverage purchased by most horse
equine insurance make sense for horses who aren't orowners are mortality and major medical policies.
may never be worth large sums of money?Equine Mortality insurance reimburses a horse owner if
You'd be amazed at the number of $2,500 horsesthe horse dies. Depending on the policy, the owner
that are insured nowadays. A horse is a majormay receive payment for the full or partial value of the
financial investment, regardless of purchase price. Thehorse. Medical and surgical policies cover the costs
ongoing upkeep and maintenance is costly too, andassociated with treatment of an injury or illness. An
people want to protect their investments.owner can purchase mortality coverage alone, but
The number of equine insurance policies available tomedical and surgical policies are generally available only
horse owners can seem overwhelming, including butin combination with mortality.
not limited to:That's where an insurance agent can help, they will be
* Major medical and surgicalable answer your questions and help clarify the policy
* mortalitylanguage for you. Some insurance agents work for a
* loss of usesingle insurance company; others operate as
* tack and equipmentindependent brokers representing a large pool of
For those who operate equine businesses,carriers.
* liability for trainersWhether you're working with an agent or doing your
* property protectionown legwork, it's wise to educate yourself on the
* liability coverage for farm ownersbasics of equine insurance.
* care, custody and control