Nutritious food, plenty of water, and excellent pasture are vital for the health of your horse, but carrying the right insurance is another way to provide the best care. Below are a few of the horse insurance products available to cover any need.
Horse Major Medical Insurance
No matter how correctly you care for a horse, emergencies, accidents, and illness can strike. Since they are extremely large animals, emergency care, and surgery can prove extraordinarily costly. Carrying a significant medical coverage policy can help with substantial medical expenses. The cost an insurance plan will depend on the age and health condition of the horse. Much like human health insurance, you just pay the agreed upon deductible amount.
As difficult as it is to imagine losing your horse, accidents, injuries, and illness can cause unexpected death. carrying mortality insurance helps cover the cost of any unpaid medical bills, humane euthanasia, or burial expenses. It will do nothing to ease the pain of losing your beloved horse, but it will provide financial peace of mind during that stressful event.
Personal Liability Insurance
Having people over to meet your horse, take a brief ride, or simply stand next to the horse can lead to an unexpected injury. Liability insurance will help cover the cost of injuries that occur due to the actions of your horse. It will also help cover property damage if they escape enclosures and damage property.
Training and Public Rider Liability
Training the public how to ride or handle horses carries a level of danger. Live animals have a mind of their own and can cause injury without intention. Horses are sometimes easily startled and can throw a rider. Liability coverage for horse businesses will cover the expenses for an injured person.
Horse Theft Insurance
Loss of a valuable horse from theft can leave a working farm or ranch without a valuable member. The coverage can help come up with the replacement costs to continue business.
Serious injuries and death can happen during road trips, or simply moving the animal from one location to another. You can start a policy that will cover the horse while they are in transport. It will include injury and death from airplane crashes, vehicle crashes, loading and unloading incidences, or other travel related events.