Horses are beautiful, majestic creatures that exert power and strength. But they do get sick and suffer injuries. When that happens, expenses can become steep for the horse owner, with veterinarian costs far exceeding that of smaller animals.
Protect your Investment
Responsible horse owners know the importance of having good horse medical insurance. Owning a horse—whether it’s used for pleasure and companionship, show or competition, or as a working animal—represents a significant investment when you consider the cost of its daily upkeep and maintenance.
What Equine Medical Insurance Covers
There are several types of equine insurance ranging from mortality to personal liability. The most common type is medical, sometimes referred to as major medical. This covers most veterinary costs including diagnostics, surgery, medication, and veterinarian visits associated with an illness or injury. Many insurers require that you also buy mortality insurance when you take out a medical policy.
What Equine Medical Insurance Does Not Cover
Equine medical insurance generally does not cover routine care such as dental treatment and vaccines, elective or cosmetic surgeries, and alternative therapies. Most policies have a deductible, a limit on the amount it will cover, and exclusions based on pre-existing medical conditions.
Shop Early
A horse’s average life span is 25-30 years, and they are prone to a number of diseases and injuries that can be minor, debilitating, or even fatal. It’s a good idea to consider medical insurance early to help ensure you and your horse are protected with proper care as the horse ages.
As with personal health insurance, equine insurance can be confusing with all the plans, options, and stipulations available. To find a competent insurer, ask your veterinarian or other horse owners you know for a reference. Horse publications and the internet can also be helpful in finding and comparing equine insurers.