Horse insurance quotes can be obtained for several different types of equine insurance needs: mortality insurance, health insurance, horsebox insurance and liability insurance. Some policies can be written to give you broad coverage for all three needs, and the cost of insurance is definitely related to how good the coverage is. Having adequate insurance coverage is probably one of the most important pieces of horse equipment you’ll ever have!
One of the most important reasons to buy adequate insurance for your horse is to protect yourself from being sued. Something about horses just brings out the lawsuit-happiness in some people! In spite of a multitude of state laws that are supposed to protect horse owners from being liable, people can still sue you. You need enough coverage so that the insurance company will represent your interests in a claim, and to pay any claim that either gets settled out of court or that you unfortunately lose. Don’t just get equine insurance quotes for the minimum amount of coverage thinking that this won’t happen to you. It can. It happens to horse owners all the time.
Another important reason to buy insurance is for the sad event when your horse dies. You have invested a lot of money in your horse. You’ve trained and stabled and fed him for years and when he’s gone, unless you plan to stop riding all together, you’ll want to replace him. You also might need a little help with the burial costs.
Some horse mortality insurance plans include an option that pays for colic surgery. If your horse colics and needs surgery, that insurance will pay for itself AND save the life of your horse! You can also get loss-of-use coverage added to a mortality policy that will pay you a percentage of your horse’s value if he becomes unusable for showing due to an injury. If you are serious about showing, you need this insurance.
The last reason you need to get a good policy for your horse is for major medical expenses. Horses do sometimes need to go to a horse hospital, and you are looking at a minimum of $1000 for a trip like that and more likely to be a lot more than that. Getting health insurance for your horse can make it possible for you to seek the appropriate medical care your horse needs without worrying about the bills. No one wants to be in the position of not being able to get treatment because we can’t afford it. Don’t let that happen to you or your horse. Get adequate horse riding insurance for your beloved friend. Shop around and get as many horse insurance quotes as you can before you decide on one policy, so you can be sure you’re getting the best policy for your money.
