Horse Health Insurance: An ultimate guide in 2022

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Aren’t horses the best? Small in size yet so powerful? If these are the first thoughts that cross your mind at the sight of a horse, trust that you have nothing but love for your horse.

Even with their adorable nature, horses are prone to accidents and injuries. Like any other pet, the expense of taking care of the animal falls back on the owner’s financial capability.

The good news is that you can ensure your horse from a wide variety of medical covers to avoid straining your finance in extreme injury cases.

Most owners are quick to go for basic mortality insurance when they take horse health insurance and a wide spectrum of health insurance options depending on the medical history of their respective animals.

Horse insurance

Horse Health Insurance

Mortality Insurance

Mortality insurance is famous among horse owners. The efficacy and convenience of this cover are courtesy of securing massive investments into the welfare and well-being of the horses.

If your equine companion has cost you a great deal of cash, the best way to safeguard both of your futures is by subscribing to a mortality insurance plan.

It is vital to read and understand the terms of the insurance to avoid misinterpretation of compensation charges and circumstances. Ideally, you must comprehend and demonstrate the ability to distinguish between humane and non-human reasons to have to euthanize your animal.

Reading the terms and conditions of the insurance agreements gives you an upper hand in getting to terms with the compensation for the loss of your horse once it dies.

Here, it is, however, vital to note that other equine insurance companies only compensate for deaths from natural causes and not due to your “neglect.”

Major Surgical

As icing on the mortality insurance cake, major medical coverage allows you to utilize clauses that cover intestinal surgeries of your horse.

Conversely, the knowledge required in maneuvering the tricky ground between euthanizing your horse and having it go in for surgery is a crucial concept of this major medical cover.

Additionally, many insurance companies have policies that limit horse owners from spending higher amounts on major medical covers as opposed to mortality insurance.

The good news is that major medical covers take care of a whole lot of treatment options, diagnoses, and emergency plans for your horse at any time. These options range from surgery, MRI, x-rays, and ultrasounds.

The important tip to keep in mind when handling major surgical horse covers is the concept of the terms and conditions that have to be met for your compensation for taking place.

Pre-Existing Circumstances

Other horse health insurance organizations prefer keeping a record of your horse’s medical history. This way, they can use these pre-existing conditions to understand the possibilities of the re-occurrence of certain health complications.

For instance, elective surgery has to be eliminated from the insurance plan because of the tendency of certain diseases to occur. Dental care is selective as well, but rehabilitation procedures are common in most horse health companies.

Acupuncture, the use of a treadmill, and whirlpools also go a long way in improving the health of your horse. Here, it is crucial to keep a record of all health issues that your horse has ever faced or any period of a chronic attack.

Now that you have an idea of what horse health insurance entails, take a look at Equine health insurance.

This is one of the best organizations regarding horse health. It protects every horse owner as it covers a variety of factors related to the health of horses.

The Equine organization has many ways to protect your horse investment, whether the animal is for pleasure or meant for active competition.

Equine Mortality Insurance


One agreeable fact is that horses are expensive. Starting over with a new horse may, therefore, require intense planning and budgeting if you are doing it alone.

For that reason, the Equine company provides life insurance for your horse, following an accident, injury, illness, or even theft.

For life insurance, your horse must be between thirty-one days and twenty years of age. Concerning the premium rate, the horse’s breed and age are significant determinants.

It is important to note that full mortality insurance requires completing the signing of an application document.

The mortality applications and forms include a statement of condition, Equine medical insurance coverage checklist, justification of value document, veterinary progress report, and Veterinary Certificate for Horses.

Equine Major Medical Insurance


This health insurance support can be added to the mortality insurance. It is not a stand-alone endorsement.

Typically, the organization pays for surgical procedures, diagnosis tests, and medical treatment provided for your horse due to an illness, accident, injury, or lameness.

The veterinary care limits include $7,500, $10,000, and $15,000. The Equine Major Medical Insurance is available for horses between thirty-one days and twenty years of age. Concerning this type of insurance, a deductible applies depending on the existing situation.

Equine Accident and Illness Insurance

This type of insurance applies where a horse has a traumatic injury or an illness with colic episodes. The insurance covers all the veterinary bills, including diagnostic tests and medical treatments.

The coverage is the best option should your horse develop wear-and-tear lameness.

Equine Transport Coverage

Horse Insurance

The transit insurance covers a horse traveling in and out of the United States for several purposes.

However, this is only applicable in the approved areas. For instance, a horse bought in Europe and traveling to the United States falls under the Equine transit coverage.

There are three types of transit coverage. They include; Single Trip Transit Insurance, International Air Transportation Insurance, and Territorial Limits Including Transit Insurance OR European Extension.

The Single Trip Insurance starts when an animal is loaded for a nearby trip and expires when it is unloaded. The International Air Insurance covers a horse that is already insured under the Equine Mortality Insurance.

Equine Loss of Use Insurance

This coverage applies to horses valued at $25,000 and over. It covers performance horses under twelve years of age. You likely suffer financial loss if your horse is incapable of fulfilling its duties before the retirement age.

Therefore, Equine Insurance pays for the damage, which includes medical and mortality coverage.

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Horses are significant investments. This is evident, following their expensive purchasing costs. That is enough to show you that maintaining your horse is very important as it will prevent financial losses.

Therefore, you must get your horse insured concerning mortality, chronic sickness, injuries, loss of use, and transportation, among other factors. Equine Health Insurance is one of the best organizations regarding your horse’s health and safety.

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