What Does Horse Insurance Cover?


No matter what kind of horse you own, whether it’s a family pet or a purebred competition mount, you know that caring for your horse can be a significant investment of time and money. That’s why you may want to consider purchasing horse insurance. There are different types of policies with unique terms and coverages, so you can find the plan that is best for you and your horse.

Medical Insurance

One type of horse insurance you may want to consider is medical coverage. These policies usually cover veterinary costs related to injuries and illnesses. Many policies have deductibles and coverage limits, and some may cover diagnostic procedures and medications.

Mortality Insurance

There are two types of morality insurance: limited and full. Limited mortality policies usually reimburse you for the horse’s value if it dies from an accident. For example, you may want to purchase limited mortality insurance when shipping your horse across the country. Full mortality insurance policies are designed to reimburse you for your horse’s value if it dies from an illness or injury. In many cases, you may need to purchase medical and full mortality policies together. Full mortality insurance may also cover situations where your horse is stolen and not recovered.

Surgical Insurance

While most medical insurance policies cover a portion of veterinary costs, some surgical procedures are not covered unless you have a surgical insurance policy. This type of coverage is designed to help you pay for surgical expenses relating to an injury or illness. Policies may cover expenses such as surgeon’s fees and anesthetic. A surgical policy may be a lower-cost alternative to purchasing a full medical policy.

Even if your horse spends most days grazing in the pasture, an insurance policy can be a wise investment. Horse insurance can provide peace of mind by helping offset the costs of veterinary care and reimbursing you if your horse does not recover from an accident or injury.