Equine Insurance - The Easy Guide to Horse Insurance
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Horses are important members of our families, just as cats, dogs,
birds, iguanas, snakes, and other household related pets are. Unfortunately
for us, however pleasurable it may be to have a horse as a pet,
the cost of veterinary care for horses is absolutely ridiculous
at times. Whether your horse is a member of your family or you
own or operate a stable and your horses are your livelihood, the
cost of routine services and medical emergencies for horses can
get outrageous, so to make horse ownership that much more bearable
and enjoyable, equine insurance is there to help take some of the
equine related stresses off of your back.
Mortality Insurance for Horses
Mortality insurance is just one half of a horse insurance policy,
and not every horse health insurance policy has mortality insurance
in it. Mortality insurance for horses is the equine equivalent
of life insurance for people. This type of insurance recognizes
horses as an investment that people make in their horses, as
they usually don’t come very cheap as it is. Depending
on what your horse is worth in dollar amount and if they are
a working horse or make you money in some other way, you could
get anything from partial to full coverage for the loss of your
horse.
Health Insurance for Horses
Horses are also eligible for regular health insurance policies,
just as dogs, cats, and other exotic pets are eligible for health
insurance policies. They cover accidents and illnesses that may
befall the horse as well as dental care and dental injuries,
and even tack fees. Equine health insurance policies normally
cover routine check ups for horses and preventative care as well,
to keep the number of large claims down to a minimum. Common
horse illnesses like rain rot, mud fever, internal and external
parasites, and even infections of the ear, a wound or anything
else. Cancer and other major injuries like broken bones or fractures
are covered.
Other Types of Equine Insurance
In addition to mortality and health insurance for your horse, there
are other types of insurance policies that a horse owner should
look into, such as liability insurance for injuries that might
be caused on or relating to your horse, coverage for the trainers
and anybody else who associates with the horse and even insurance
for transporting the horse back and forth to shows, other stables,
or events.
There are a lot of potential components and parts to an equine
insurance policy, but at the very least health insurance is a must
for all responsible horse owners. Equine insurance policies definitely
are not the most affordable, but then again neither are vet bills
for medical services rendered to a horse. Equine health insurance
policies are only sensible options for those who own horses; without
insurance horses would be just too expensive for many extremely
capable horse owners and lovers out there.
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