{"id":1864,"date":"2021-05-24T11:04:58","date_gmt":"2021-05-24T11:04:58","guid":{"rendered":"https:\/\/protectmypaws.com\/?page_id=1864"},"modified":"2023-07-12T14:58:53","modified_gmt":"2023-07-12T14:58:53","slug":"equine-horse-insurance","status":"publish","type":"post","link":"https:\/\/protectmypaws.com\/equine-horse-insurance\/","title":{"rendered":"The Best Horse Insurance Options"},"content":{"rendered":"\r\n

For most equine owners, their horse is not just a pet or a working tool – it\u2019s their pride and joy. When it comes to horse care, it\u2019s worth noting that horses have delicate needs and require professional monitoring since they\u2019re a special species of domestic animals.<\/p>\r\n\r\n\r\n\r\n

In that regard, horse insurance can cover anything from medical needs and accidents to illnesses and loss of use. So, what\u2019s the best option out there? And more importantly, which one is right for you?<\/p>\r\n\r\n\r\n

Why Do You Need Horse Insurance?<\/h2>\r\n\r\n\r\n

Most of the time, you\u2019ll come across horse insurance referred to as equine insurance. There are different types of policies that deal with different facets and cover different aspects, including everything from emergencies and medical care, to providing reimbursement if your horse happens to die unexpectedly.

Unlike other domestic pet insurance policies, we believe that having horse insurance is an absolute must. Horses are very expensive to take care of, so every horse owner should provide them with adequate coverage, allowing the right medical, wellness, and special care decisions to be made when push comes to shove. <\/p>\r\n\r\n\r\n\r\n

Also, one should seriously consider liability insurance as well, because it\u2019s not uncommon for horses to damage property or cause injury to someone.<\/p>\r\n\r\n\r\n\r\n

In addition to medical insurance, loss of use coverage is another option that you should consider if you are or plan on using your horse for breeding or sports activities. These plans provide coverage in instances when your horse is no longer able to perform activities that result in financial income, such as racing.<\/p>\r\n\r\n\r\n

Types of Horse Insurance<\/h2>\r\n\r\n\r\n

There are a lot of horse insurance policies that can cover a plethora of different aspects. Here are some of the most common ones:<\/p>\r\n\r\n\r\n

Mortality Insurance<\/h3>\r\n\r\n\r\n

Much like life insurance for people, mortality insurance for horses provides coverage in cases of death due to illnesses, accidents, or injuries. Most horse insurance plans offer mortality insurance as the foundation for other types of coverage, such as major medical, liability, and loss of use. Mortality insurance is treated as a platform on which you build up, within the horse insurance industry, though this practice varies from company to company. <\/p>\r\n\r\n\r\n\r\n

There are two main types of mortality insurance: full mortality policies<\/strong>, which cover the full value of your horse, and limited mortality policies<\/strong>, which cover a percentage of your horse\u2019s predetermined value, which is established beforehand. Full mortality policies apply if your horse dies and you have already utilized the major medical policy or in cases where your horse has been stolen. One thing to keep in mind is that mortality insurance rates typically get more expensive as your horse gets older.<\/p>\r\n\r\n\r\n

Major Medical<\/h3>\r\n\r\n\r\n

Major medical coverage is along the lines of health insurance for people; the coverage offers vary from company to company. Keep your eyes open and review the policies carefully so that you know exactly what you are and aren\u2019t covered for.<\/p>\r\n\r\n\r\n\r\n


Plans can provide coverage and veterinary care for everything from illnesses, accidents, vet visits, and diagnostic procedures, to medication, treatment, surgeries, and aftercare costs.

These policies impose a deductible and an upper limit on the amount covered annually. The annual coverage limits typically range from $5,000 to $15,000 in reimbursement, meaning that you pay your vet bill on the spot and then send your insurance provider the bill for review and approval. If you exceed the limit, everything else comes out of your own pocket. <\/p>\r\n\r\n\r\n\r\n

Most major medical plans cover unexpected veterinary costs but do not cover preventive care, pre-existing conditions, elective procedures, and alternative therapies such as acupuncture,  holistic treatments, and dental care.<\/p>\r\n\r\n\r\n

Surgical<\/h3>\r\n\r\n\r\n

Not all horses meet the given criteria for major medical coverage. Surgical policies offer coverage in case your horse is in need of life-saving or emergency colic surgeries that amount up to $10,000 annually. These policies only apply if your horse needs an operation and aren\u2019t all-encompassing. Policies that cover only and are limited to colic procedures are also available, as this is a common health condition for horses.

It\u2019s noteworthy that these plans usually do not cover room and board costs for staying in the hospital, just the medical expenses.<\/p>\r\n\r\n\r\n

Loss of Use<\/h3>\r\n\r\n\r\n

Horse owners who use their horses for activities that produce income such as sports or breeding should acquire or at least look into loss of use policies. These policies are subject to extensive and thorough reviews due to the sensitive nature of the subject at hand. <\/p>\r\n\r\n\r\n\r\n

That\u2019s why insurance companies will only provide a policy after a detailed vet exam, a verified history of any previous vet visits, accidents, illnesses, and x-rays so they can be sure that everything is in order under the hood.<\/p>\r\n\r\n\r\n\r\n

Keep in mind that a loss of use policy is not a standalone policy and is offered in conjunction with major medical and mortality policies. However, once acquired, the policy will subsidize the provisory income you would have received from the horse\u2019s activities.<\/p>\r\n\r\n\r\n\r\n

In most cases, loss of use policies only apply to breeding and racing activities, not horses used for pleasure riding.<\/p>\r\n\r\n\r\n

Liability<\/h3>\r\n\r\n\r\n

Accidents can and will happen, regardless of how careful and diligent you may be. Liability insurance is a good investment to make if your horse is at risk of injuring someone or damaging someone\u2019s property, especially if you have some kind of business involving multiple horses. If this is the case, you might even benefit from an experienced consultant that can determine what kind of extensive liability coverage will best suit your needs. <\/p>\r\n\r\n\r\n\r\n

Sometimes, liability insurance is offered as part of the insurance company\u2019s regular policies, however, we suggest that you double-check this with your provider. <\/p>\r\n\r\n\r\n

Care, Custody, Control<\/h3>\r\n\r\n\r\n

This type of policy is a good fit for those who board, train, or breed horses. If you are in contact or work with other people\u2019s horses, you may need care, custody, and control coverage.<\/p>\r\n\r\n\r\n\r\n

Care, custody, and control <\/strong>plans will provide you with coverage in an unfortunate event where you might harm or damage another person\u2019s horse. These policies are available as standalone purchases, as well as a part of liability coverage. The coverage they provide is per-horse and on an annual basis.<\/p>\r\n\r\n\r\n

How Much Is Horse Insurance?<\/h2>\r\n\r\n\r\n

The rates depend on a multitude of factors and circumstances including, but not limited to:<\/p>\r\n\r\n\r\n\r\n

The type of coverage:<\/strong> When it comes to horse insurance, you can build your own policies from the ground up; starting with the basic limited mortality plans and adding surgery coverage would be the most affordable option. You can also choose policies that cover everything within reason and then some. Just keep in mind that the all-inclusive plans come at a higher price.<\/p>\r\n\r\n\r\n\r\n

The value of your horse:<\/strong> The cost of the mortality policies is directly influenced by the estimated value of the horse that is being insured. The estimate can be done by the insurance company or in some cases by a third party that specializes in horse valuing.<\/p>\r\n\r\n\r\n\r\n

There\u2019s no certain way of knowing how much a horse will be valued at. If the horse has gone through different owners, then its value can be determined on the prices that have been paid for it. <\/p>\r\n\r\n\r\n\r\n

If the horse has received training or is participating in sports or grooming competitions,
that may increase the value of your horse. The horse\u2019s age, breed, and pre-existing conditions also impact its value. Older horses and previously injured horses tend to have a lower value.<\/p>\r\n\r\n\r\n\r\n

The deductible: <\/strong>The deductible is the amount that you pay before your coverage plan is activated. The deductible is also generally linked to the monthly premiums and insurance expenses; higher initial payments result in lower insurance monthly premiums.<\/p>\r\n\r\n\r\n\r\n

Policy limits: <\/strong>The price of the monthly premiums always goes hand in hand with the annual coverage limit. The higher the limit, or in some cases unlimited annual coverage, the higher the monthly premiums will be; and vice versa, the lower the annual limit, the lower the premiums. <\/p>\r\n\r\n\r\n\r\n

As these prices and policies are subject to change and can vary a couple of times per year, we suggest that you contact the companies directly and ask for a quote. That being said, every company has its own policies that have different offers and different rates, so policies will not always be comparable.<\/p>\r\n\r\n\r\n

The Best Horse Insurance Companies On The Market<\/h2>\r\n\r\n\r\n

As we stated above, when it comes to horse insurance, different companies provide different plans. Let\u2019s take a look at how they compare and what the market has to offer: <\/p>\r\n\r\n\r\n

Blue Bridle Equine Insurance<\/a><\/h2>\r\n\r\n\r\n
\"Horses<\/figure><\/div>\r\n\r\n\r\n\r\n

Licensed in 42 states across the United States, Blue Bridle Equine Insurance<\/strong> is one of the pioneers in equine insurance, with a track record of nearly 40 years. They specialize in equine medical and surgical insurance and offer coverage for all types of horse owners.<\/p>\r\n\r\n\r\n\r\n

Their policies cover a wide array of clauses, such as accident and illness coverage, including blood work, x-rays and ultrasound, loss of use policies, surgical and colic-only coverage, medical assistance, and policy extensions.<\/p>\r\n\r\n\r\n\r\n

Their Territory Extension and Air Transit plans provide coverage should your horse travel outside the U.S. or Canada. Horses must be between the ages of 31 days through 20 years old to be considered eligible for a Blue Bridle Equine <\/strong>insurance policy. Deductibles are available per occurrence or incident.<\/p>\r\n\r\n\r\n

ASPCA<\/a><\/h2>\r\n\r\n\r\n
\"A<\/figure><\/div>\r\n\r\n\r\n\r\n

When it comes to animal care, the ASPCA<\/strong> has provided premium pet insurance, extended coverage, direct vet bill payments, and comprehensive wellness plans as one of the most recognizable and reputable companies on the market for nearly 25 years. <\/strong>Now, their animal healthcare plans extend to horses.<\/p>\r\n\r\n\r\n\r\n

With an added option for preventive care benefits, you can choose an affordable plan and cover colic and accidents or opt for covering colic, accidents, and illnesses at a premium. <\/p>\r\n\r\n\r\n

Pricing Quotes – Colic + Accidents<\/h3>\r\n\r\n\r\n
Breed<\/th>Appaloosa<\/th>Arabian<\/th>Pony<\/th><\/tr><\/thead>
Age<\/strong><\/td>2<\/td>4<\/td>8<\/td><\/tr>
Gender<\/strong><\/td>Male<\/td>Male<\/td>Female<\/td><\/tr>
State<\/strong><\/td>New York<\/td>Colorado<\/td>California<\/td><\/tr>
Annual Deductible<\/strong><\/td>$250<\/td>$250<\/td>$250<\/td><\/tr>
Annual Limit<\/strong><\/td>$5,000<\/td>$5,000<\/td>$5,000<\/td><\/tr>
Reimbursement<\/strong><\/td>80%<\/td>80%<\/td>80%<\/td><\/tr>
Monthly Premium<\/strong><\/td>$23.83<\/td>$24.49<\/td>$29.49<\/td><\/tr><\/tbody><\/table><\/figure>\r\n\r\n\r\n\r\n

ASPCA\u2019<\/strong>s plans provide coverage for colic – impaction, displacement, spasmodic, and enteritis; accidents – cuts, hoof abscesses, toxic ingestions, injuries from trailer accidents, and more.<\/p>\r\n\r\n\r\n\r\n

However, there\u2019s no cover for pre-existing conditions, navicular disease, arthritis joint injections, and illnesses (unless you choose the added illness option, listed below).<\/p>\r\n\r\n\r\n

Pricing Quotes – Colic + Accidents + Illnesses<\/h3>\r\n\r\n\r\n
Breed<\/th>Appaloosa<\/th>Arabian<\/th>Pony<\/th><\/tr><\/thead>
Age<\/strong><\/td>2<\/td>4<\/td>8<\/td><\/tr>
Gender<\/strong><\/td>Male<\/td>Male<\/td>Female<\/td><\/tr>
State<\/strong><\/td>New York<\/td>Colorado<\/td>California<\/td><\/tr>
Annual Deductible<\/strong><\/td>$250<\/td>$250<\/td>$250<\/td><\/tr>
Annual Limit<\/strong><\/td>$5,000<\/td>$5,000<\/td>$5,000<\/td><\/tr>
Reimbursement<\/strong><\/td>80%<\/td>80%<\/td>80%<\/td><\/tr>
Monthly Premium<\/strong><\/td>$62.87<\/td>$61.07<\/td>$101.01<\/td><\/tr><\/tbody><\/table><\/figure>\r\n\r\n\r\n\r\n

This plan adds additional coverage for Illnesses – Cushing\u2019s disease, strangles, cancer, hereditary conditions, and more.<\/p>\r\n\r\n\r\n

Broadstone Equine Insurance Agency<\/a><\/h2>\r\n\r\n\r\n
\"Two<\/figure><\/div>\r\n\r\n\r\n\r\n

In partnership with some of the best horse insurance companies in the country, Broadstone Equine Insurance Agency <\/strong>offers transparent plans with a vast array of equine coverage, centered around major medical and surgical insurance. They offer Major Medical or Medical Assistance insurance coverage for horses at insured values as low as $1,000.<\/p>\r\n\r\n\r\n\r\n

Furthermore, they provide comprehensive and affordable Liability insurance policies for riding instructors, horse trainers, boarding operations as well as other equestrian businesses and clubs.<\/p>\r\n\r\n\r\n\r\n

Available 24 hours a day, their claim department can answer any questions you might have about their plans and policies. <\/p>\r\n\r\n\r\n

Kay Cassell Equine Insurance<\/a><\/h2>\r\n\r\n\r\n
\"Insurance<\/figure><\/div>\r\n\r\n\r\n\r\n

Established in 1981, Kay Cassell Equine Insurance <\/strong>is a family-owned business that takes pride in providing personalized service for all its policies, including major medical with optional surgical-only colic plans and equine transportation insurance. If your horse happens to be severely injured, shows signs of colic, or requires surgery or hospitalization, Kay Cassell Equine Insurance<\/strong> allows you to make a decision based on what\u2019s best for your horse\u2019s health. Their policies have upper limits of up to $15,000 and their operators are always standing by, in case you have any questions or inquiries.<\/p>\r\n\r\n\r\n

Great American Insurance Group<\/a><\/h2>\r\n\r\n\r\n
\"Two<\/figure><\/div>\r\n\r\n\r\n\r\n

The Great American Insurance Group<\/strong> provides highly customizable policies and is among the worldwide leaders in equine mortality insurance.<\/p>\r\n\r\n\r\n\r\n

Their staff consists of experts in a variety of breeds and disciplines, such as racing, showing, cutting, dressage, hunter\/jumper, driving, reining, saddleseat, and pleasure riding.<\/p>\r\n\r\n\r\n\r\n

Great American<\/strong> also offers Major Medical, providing Equine Mortality with optional Major Medical and Surgical coverages. Their plans cover everything from pleasure riding horses to derby contenders.<\/p>\r\n\r\n\r\n

Hallmark Equine Insurance Agency<\/a><\/h2>\r\n\r\n\r\n
\"A<\/figure><\/div>\r\n\r\n\r\n\r\n

Operating since 1983, the Hallmark Equine Insurance Agency<\/strong> provides Full Mortality coverage for death as a result of an injury, illness, or human destruction, as well as death as a result of theft. The Guaranteed Extension option provides coverage in the event of a condition occurring and reported during the policy period, for which the mortality coverage automatically extends for up to 12 months beyond the Full Mortality plan\u2019s expiration date.<\/p>\r\n\r\n\r\n\r\n

Their territorial coverage includes the continental US and Canada. Also, your horse need not be vet certified, if it is valued up to $100,000. However, foals younger than 30 days do require a Foal Vet Certificate.<\/p>\r\n\r\n\r\n\r\n

Hallmark Equine Insurance Agency<\/strong> also offers Colic Surgery coverage at no extra cost with the Full Mortality policy, which includes coverage for colic surgery for up to $3,000.<\/p>\r\n\r\n\r\n\r\n

If by chance your horse becomes permanently unable to perform as a result of an injury, accident, or illness, their Full Loss of Use <\/strong>plan reimburses up to 50% of the insured value.<\/p>\r\n\r\n\r\n

Markel Insurance<\/a><\/h2>\r\n\r\n\r\n
\"A<\/figure><\/div>\r\n\r\n\r\n\r\n

With over 50 years of experience, Markel Insurance<\/strong> is one of the staples in the Horse Insurance industry. Their coverage ranges from private horse owners to instructors and farriers.<\/p>\r\n\r\n\r\n\r\n

In a scenario where your horse dies, needs to be euthanized, or is stolen, they offer comprehensive and customizable plans with a network of exclusive insurance agents available around the clock. A vet certificate is not required for horses valued under $50,000 with no pre-existing health conditions.<\/p>\r\n\r\n\r\n\r\n

Markel Specialty is also the official insurance supplier of The American Riding Instructors Association (ARIA).<\/p>\r\n\r\n\r\n

Equine Insurance Specialists<\/a><\/h2>\r\n\r\n\r\n
\"Brown\/white<\/figure><\/div>\r\n\r\n\r\n\r\n

Operating since 1992, Equine Insurance Specialists <\/strong>provides comprehensive plans for Equine Mortality Coverage with additional add-ons, such as Medical, Surgical, and Loss of Use policies. They\u2019re used to cover both your potential financial loss and unfortunate emergencies. <\/p>\r\n\r\n\r\n\r\n

Equine Mortality Coverage from Equine Insurance Specialists <\/strong>offers full Mortality coverage, along with Medical & Surgical, Loss of Use, Stallion Permanent Disability, and Worldwide Transit insurance.<\/p>\r\n\r\n\r\n\r\n

Their Liability Coverage offers a vast array of equine and business insurance plans for horse owners across the whole country, except Alaska and Hawaii. Their policies include, but aren\u2019t limited to Commercial Equine Liability, Riding Clubs and Associations, Individual & Race Horse Owners, Instructors and Trainers Liability, Equestrian Professional Liability, Care, Custody or Control, Farming and Commercial Auto, as well as Umbrella Liability insurance.<\/p>\r\n\r\n\r\n\r\n

Regardless of whether you own or rent your farm, Equine Insurance Specialists <\/strong>will get you covered with their modular farm programs, offering policies for clients whose needs extend beyond their core Mortality, Farm, and Liability insurance policies.<\/p>\r\n\r\n\r\n\r\n

So, you can rest assured that you\u2019ll be getting exactly what you want, regardless of where your niche may lie; their coverage extends to both Farm & Ranch Owners and Tenant Farm operations.<\/p>\r\n\r\n\r\n

USRider Horse Insurance <\/a><\/h2>\r\n\r\n\r\n
\"Why<\/figure><\/div>\r\n\r\n\r\n\r\n

Bringing you peace of mind is at the very top of USRider Horse Insurance<\/strong>\u2019s priority list. <\/p>\r\n\r\n\r\n\r\n

They offer comprehensive policies that provide coverage for death, theft, and humane destruction, including illness or disease. Their annual Horse Mortality policies start at $200\/year providing the overall protection you need for your equine. If you feel that their basic plans aren\u2019t enough, their optional Medical Surgical, Equine Essentials Enhancement, and Liability add-ons are at your disposal.
<\/p>\r\n\r\n\r\n\r\n

You may enroll your horse in their Hassle-Free Mortality Program if it\u2019s valued up to $50,000, has a clean health history, and is between the ages of 91 days & 15 years old.<\/p>\r\n\r\n\r\n\r\n

If your horse does not fit the guidelines for the Hassle-Free Program, the Standard All Risk Mortality & Theft coverage can provide abundant coverage at an affordable price. <\/p>\r\n\r\n\r\n

Additional Options<\/h3>\r\n\r\n\r\n

Commercial Horse Liability insurance policies primarily offer protection to horse-related businesses from third-party liability lawsuits. This includes riding instructors and independent trainers as well. <\/p>\r\n\r\n\r\n\r\n

The Equi-Farm Package fully protects your horse farm, combining property and liability to your home, barns, sheds, owned machinery, equipment, tack, livestock, and horse operations.<\/p>\r\n\r\n\r\n\r\n

The Private Horse Owner Liability policies apply if your horses aren\u2019t involved in commercial equine business. These plans protect you from claims of property damage or bodily injuries.<\/p>\r\n\r\n\r\n\r\n

The Commercial Umbrella Liability policy serves as coverage in extreme cases or during catastrophic events when the threshold of your commercial liability has already been exceeded. <\/p>\r\n\r\n\r\n

Horse Insurance Specialists<\/a><\/h2>\r\n\r\n\r\n
\"A<\/figure><\/div>\r\n\r\n\r\n\r\n

Horse Insurance Specialists <\/strong>offers Full Mortality coverage dealing with a horse\u2019s death due to an accident, injury, or disease. Furthermore, your equine is eligible for Emergency Colic Surgery insurance with an upper cap of $3,000 after the first year of enrollment.<\/p>\r\n\r\n\r\n\r\n

It\u2019s worth mentioning that the value of one\u2019s stock and property is agreed upon before the policy is established with a mutual agreement between the policyholder and the company.<\/p>\r\n\r\n\r\n\r\n

The monthly premiums mostly depend on four factors – age, breed, value, and use. That being said, $250 is set in stone as the policy minimum. You may insure more horses on the same policy or extend the basic plan with the Major Medical add-on in order to meet the monthly minimum.<\/p>\r\n\r\n\r\n

Major Medical<\/h3>\r\n\r\n\r\n

The Major Medical add-on cannot be purchased alone and is only available as an addition to the Full Mortality coverage. This provides coverage for veterinary charges for treating accidents, injuries, or illnesses that occur during the policy\u2019s tenure.<\/p>\r\n\r\n\r\n\r\n

Upper payout limits are available and start at $5,000 and go up to $15,000. The deductible is on a per-claim basis and there is an age limit with a minimum of 30 days and a maximum of 16 years. <\/p>\r\n\r\n\r\n

Loss of Use<\/h3>\r\n\r\n\r\n

This coverage is only available as part of the Full Mortality plan. It applies in the case when an equine becomes permanently unable to perform during the policy period due to an injury or disease. <\/strong>Nevertheless, this coverage must get a stamp of approval from Horse Insurance Specialists. To get this coverage, your horse will be required to go through a veterinary examination. <\/p>\r\n\r\n\r\n

Stallion Infertility<\/h3>\r\n\r\n\r\n

The Stallion Infertility plan is another add-on to the basic mortality plan.<\/p>\r\n\r\n\r\n\r\n

Once activated, the policy will provide full coverage in case a breeding stallion loses the ability to produce offspring because of disease, accident, or injury.<\/p>\r\n\r\n\r\n\r\n

As an owner, you may claim and be reimbursed for 100% of the mortality value of your stallion. Much like the Loss of Use policy, your horse will pass through a veterinary evaluation including breeding ability tests in order to qualify for this plan. <\/p>\r\n\r\n\r\n\r\n

The minimum age of your horse must be 2 years and the upper limit is 17 years.<\/p>\r\n\r\n\r\n\r\n

This coverage costs a one-time fee of 1.0% of the full mortality insurance rate of your horse.<\/p>\r\n\r\n\r\n

Limited Mortality<\/h3>\r\n\r\n\r\n

The Limited Mortality plan offers coverage in cases of death as a result limited to fire, lightning, explosion, collision, transportation accident, windstorm, hail, earthquake, flood, accidental shooting, drowning, electricity, attack by wild animals or canines, building collapse, and theft.<\/p>\r\n\r\n\r\n\r\n

This policy is usually obtained for horses that are ineligible for Full Mortality coverage. The rates usually start at 1.25% and go up to 1.85% of the insurance value and apply on a per-horse basis. The monthly premiums range from $100 to $250.<\/p>\r\n\r\n\r\n

AEIG<\/a><\/h2>\r\n\r\n\r\n
\"A<\/figure><\/div>\r\n\r\n\r\n\r\n

AEIG <\/strong>has offered a broad array of equine insurance policies for over three decades. All of their insurance carriers have an \u201cA\u201d rating and are prominent providers of coverage for everything from equestrian professionals and show and pleasure horses, to shows, clubs, and horse farms.<\/p>\r\n\r\n\r\n\r\n

With utmost devotion to everything equine, AEIG stays committed to combining the best coverage with the most competitive rates on the market. Their Liability Insurance is customized to satisfy anyone\u2019s needs, from amateurs to professionals, regardless of whether they\u2019re after protection for horse trainers and riding instructors or commercial events.<\/p>\r\n\r\n\r\n

Travelers<\/a><\/h2>\r\n\r\n\r\n
\"Advertisement<\/figure><\/div>\r\n\r\n\r\n\r\n

Travelers <\/strong>provide equine coverage for horse owners, stables owners, breeders, and trainers. Their high level of commitment in protecting your investment is mirrored in their broad range of horse and stable insurance coverage options that are customizable to meet your specific property, liability, and operational needs. <\/p>\r\n\r\n\r\n\r\n

They offer coverage for commercial equine operations such as boarding, breeding, lessons, riding programs, shows, clinics, and training. Travelers also provide options for horses owned for personal use, stable owners, care, custody, and control, equine professional services, endorsement, equine property endorsement, personal liability, and stable liability.<\/p>\r\n\r\n\r\n

ARK<\/a><\/h2>\r\n\r\n\r\n
\"Ark<\/figure><\/div>\r\n\r\n\r\n\r\n

ARK<\/strong> believes that horse owners should protect themselves and their horses at every turn. They offer Full Mortality and Theft insurance that\u2019s comparable to personal life insurance policies. Their policies cover cases that include natural or accidental deaths or theft, both in instances when the stolen horses remain in North America or, in some situations, the insurance extends beyond borders and is valid for other countries too. <\/p>\r\n\r\n\r\n\r\n

In order to qualify for full horse mortality insurance plans, there needs to be proof that the horse is physically sound and in good health overall. Horses that are valued below $50,000 often do not require a veterinary certificate of health. The policy can be expanded with optional short-term Air Transit insurance or European Extension add-ons if needed.<\/p>\r\n\r\n\r\n

Additional Options<\/h3>\r\n\r\n\r\n

Horses that may not qualify for Full Mortality can often be insured under their Limited Mortality insurance which is activated in cases of death caused by aircraft, objects falling from an aircraft, bridge and culvert collapses, explosions, loading or unloading accidents, natural catastrophes, accidental shootings, wild animal attacks, building collapses, drowning, as well as short-term coverage for animal air and ground transit.<\/p>\r\n\r\n\r\n\r\n

Since every situation is different, Ark Agency<\/strong> has representatives waiting to help any horse owner about how their policies should be constructed. They would explain how everything works – the cost of the monthly premium, what requirements are needed in order to get covered, establishing their specific needs when it comes to horse mortality insurance, the age of the horse, the amount of work it\u2019s subjected to, the amount of travel, and the area where it lives.<\/p>\r\n\r\n\r\n

Equine Insurance Center<\/a><\/h2>\r\n\r\n\r\n
\"Three<\/figure><\/div>\r\n\r\n\r\n\r\n

The Equine Insurance Center<\/strong> is an established equine enterprise, offering stability through their equine mortality insurance providers. The Equine Mortality policy provides life insurance for your horse. It\u2019s basically a plan that provides coverage for death or theft, regardless of the cause. Nevertheless, there are certain exclusions, which are stated in the equine mortality insurance policy.<\/p>\r\n\r\n\r\n\r\n

The Equine Insurance Center<\/strong> will cover 100% of your horse\u2019s value at the time of the accident or illness that had resulted in its death. Their policies feature a fantastic extension, by which they prolong your coverage from 90 days up to one year if your horse happens to be sick or injured before the policy expires and you have reported the sickness or injury during the policy\u2019s term. <\/p>\r\n\r\n\r\n\r\n

In that case, they will validate your claim should the horse die within the extended time from the same cause.<\/p>\r\n\r\n\r\n\r\n

The following add-ons are optional and can be added to the base equine mortality insurance policy, provided that the necessary requirements have been met.<\/p>\r\n\r\n\r\n\r\n

Certain exclusions, including racing, apply.<\/em><\/p>\r\n\r\n\r\n

Major Medical<\/h3>\r\n\r\n\r\n

Major Medical <\/strong>equine health insurance offers reimbursement for vet fees for surgery, major illness, and disease. Depending on your company of choice, deductibles range from $250 to $1500 for each Major Medical claim offered with a variety of limits to meet your needs.<\/p>\r\n\r\n\r\n\r\n

Let\u2019s take a look at some of the providers\u2019 offers and how they compare:<\/p>\r\n\r\n\r\n

Praetorian (QBE)<\/h4>\r\n\r\n\r\n

The Mortality Limit must be equal to or higher than the requested Major Medical Limit. <\/p>\r\n\r\n\r\n\r\n

$5,000 Major Medical Limit ($500 per-claim deductible);
$7,500 Major Medical Limit ($500 per-claim deductible);
$10,000 Major Medical Limit ($500 per-claim deductible);
$10,000 Major Medical Limit HD ($1,000 per-claim deductible);
$15,000 Major Medical Limit ($500 per-claim deductible).<\/p>\r\n\r\n\r\n

The Hartford<\/h4>\r\n\r\n\r\n

Offers Medical plans from $5,000 to $15,000. The deductible is $300 or $1500 depending upon the plan you select.          <\/p>\r\n\r\n\r\n

Great American<\/h4>\r\n\r\n\r\n

The Mortality Limit must be at least $15,000 in order to be considered eligible. The Major Medical limits are $10,000 – $15,000. The deductible is $500 per incident with an upper limit and has a 20% co-pay for each claim.<\/p>\r\n\r\n\r\n\r\n

For Colic Treatment and Surgery, Great American offers a limit of $10,000 and will reimburse you up to 80% on customary veterinary fees limited at $10,000 per covered animal. There\u2019s a $250 deductible. This coverage is provided to all horses that qualify, including those used for racing.<\/p>\r\n\r\n\r\n

American Equine<\/h4>\r\n\r\n\r\n

The Mortality Limit must be equal to or higher than the requested Major Medical Limit.<\/p>\r\n\r\n\r\n\r\n

$7,500 Major Medical Limit;
$10,000 Major Medical Limit;
$15,000 Major Medical Limit.<\/p>\r\n\r\n\r\n\r\n

The Major Medical is not available for horses with a Mortality limit of less than $7,500 and the deductible is $400 per claim for all Medical plan limits. <\/p>\r\n\r\n\r\n\r\n

Equine Catastrophic Accident and Illness coverage is available at a $5,000 limit with an annual premium of $300. A deductible of $375 will apply on a per claim basis.<\/p>\r\n\r\n\r\n

Surgical Only<\/h3>\r\n\r\n\r\n

Much like the Major Medical policies, should your insured horse require surgery, the Surgical Only<\/strong> equine health insurance plan will provide coverage in the form of customary charges for surgical treatments caused by accidents, injury, or illness. The upper surgical limit goes up to $10,000, which is paired with a $0 or $250 deductible, once again, depending on your company of choice. <\/p>\r\n\r\n\r\n

Loss of Use<\/h3>\r\n\r\n\r\n

This policy protects you in a scenario where your horse becomes fully and permanently incapable of providing and functioning. However, if the horse\u2019s condition does not necessitate euthanasia for humane reasons, you may be exposed to financial loss. <\/p>\r\n\r\n\r\n

Trip Transit<\/h3>\r\n\r\n\r\n

The Equine Insurance Center<\/strong> provides coverage for importing or exporting equine internationally by air. More details, additional terms, provisions, conditions, limitations, and exclusions are available upon contacting your provider.<\/p>\r\n\r\n\r\n

Equisure<\/a><\/h2>\r\n\r\n\r\n
\"Pale<\/figure><\/div>\r\n\r\n\r\n\r\n

Equisure <\/strong>is a company that has been crafting its experience in the equine insurance industry for decades. They have combined their equine insurance expertise and knowledge in the industry trends to construct their customizable plans and provide unique policies for their customers.<\/p>\r\n\r\n\r\n\r\n

The employees at Equisure <\/strong>insurance are people who are passionate horse owners, and regularly participate and compete in equestrian activities. Their goal is to surround you with people who thoroughly understand the industry and possess the necessary skills to provide the best protection for your horse.<\/p>\r\n\r\n\r\n\r\n

With a track record of 20+ years, Equisure<\/strong>\u2019s services are available in each state across the country.<\/p>\r\n\r\n\r\n\r\n

They provide insurance plans in partnership with groups such as:<\/p>\r\n\r\n\r\n\r\n