Health Insurance For Horses – This is Why You Need One

Health insurance for horses is a great way to save money on medications and veterinarian bills. It is similar to human health insurance and reimburses a certain percentage of the cost of treatment. Although a large livestock veterinarian can be pretty expensive, horse insurance will reimburse you for up to 60 percent of the cost of treatment.


If you own a horse, health insurance can be a valuable investment. It can help you pay for medications and veterinarian bills. Much like human health insurance, horse insurance reimburses a portion of your horse’s cost if your animal is injured or becomes sick. Occasionally, horse insurance can cover up to 60 percent of your horse’s value.

Each policy offers different levels of coverage and deductibles, and the price may vary depending on the coverage limit. Premiums are usually based on the annual maximum payout limit and the level of coverage you require. For horses, primary medical and surgical insurance typically costs between $60 and $100 per month. This can increase to $200 or more, depending on the coverage you need.

The cost of health insurance for horses is typically four to five percent of the horse’s value, which means that a five-thousand-dollar horse would cost you around $200-250 per year. However, not all horse insurance policies cover horses, so comparing a few different approaches is essential. Give deductibles, out-of-pocket costs, and covered services special consideration. Primary medical insurance for horses can cost between $150 and $200 annually. Some policies even cover emergency colon surgery. The cost of surgical coverage is determined by the procedure type and the animal’s age. Mortality premiums for horses vary according to their age and how they’re used.

Loss of Use

Consider a loss-of-use health insurance policy if you wish to shield your horse from accidental financial losses. Such a policy can cover your horse no matter its age. It can also provide coverage for specific named causes, such as theft. You’ll need to review your policy to understand how it works and what you need to do if something happens.

First, a loss-of-use policy reimburses you for your horse’s value if you cannot use it due to an accident. The payout is based on a particular portion of your horse’s weight, and the premiums are frequently more expensive than the price of primary medical insurance. Typically, these policies are pretty costly.

Loss of use insurance is difficult to collect, however. In the worst-case scenario, your horse will become the insurance company’s property, which is not a good thing. Nonetheless, you must understand that this insurance will cover you if your horse cannot breed. For example, if your horse is a male, you can use the loss of use insurance policy to get money if you cannot produce him. However, if you plan to breed him in the future, you’ll have to prove that he is fertile. This can be accomplished by providing proof of fertility, settled mares, and breeding sessions. If you can prove that, you’ll be reimbursed the insured value of your horse.

Reporting Claims to the Insurance Company

As a horse owner, it is essential to report any problem with your horse to the insurance company as soon as possible. The claims adjuster will assist you in understanding what your insurance policy covers and what you must do to fix the issue if an incident necessitates veterinarian care. You should also be aware that failure to report specific incidents may invalidate your coverage.

The claim adjuster will need to see the documents to process the claim. Your attending veterinarian will be able to provide any necessary documents. In addition, you must report any injuries or illnesses promptly. This will help expedite the claim process. If you cannot get the required documents quickly, it may take longer for your claim to be processed.

You can contact your insurance provider online to report a claim. It would help if you also noted the emergency contact number so you can call in an emergency. You’ll need to provide the insurance company with proof of your horse’s injury or illness. You may also be asked to provide medical records and veterinary reports. Most claims are handled quickly after the proper paperwork is submitted. The best way to avoid delays is to regularly keep up with your paperwork and communicate with your insurance broker.