Can I buy major medical insurance my horse?
I to purchase an insurance policy my 8 yr American Warmblood gelding. I major medical surgical loss of use, mortality insurance. Does good policies in USA? My gelding is level hunters is valued b t 15 20k. Any insurance company recommendations as I am lost on one. Also, experiences insurance companies? to avoid, I be is reputable. Thanks!- you can buy insurance for almost any thing
- horseinsurance.com / equispec.com / equineinsurancecenter.com / hallmarkhorse.com / equisure - inc.com / equineworldinsurance.com / frysequineinsurance.com / buxtonequine.com /
- Hi Nikki, Horse insurance that you are describing can be very costly and most that I have researched are quite limited in scope. And while you are not intested in mortality insurance, my only experience was with that type, and I learned to regret doing that. One must thoroughly research each company and their requirements to issue a policy. You have some good links already to do that, but each carrier covers different things, with a wide variety of coverage. In addition, the horse must have a thorough veterinary exam, and if any hidden conditions emerge, they may be deemed uninsurable. My veterinarian suggested, when I was considering renewal on an older horse, was to put money aside each month to cover any routine care. Once a horse develops certain conditions, that particular condition is generally excluded upon renewal. I followed his sage advice. While one may not be able to raise the huge amount of money that some surgeries may require, it can be a roll of the dice if a horse does become injured or ill which requires catastropic veterinary care. It is a quandry for sure. For some interesting information from two insurance carriers that describe the types of coverage that they offer, here are two additional links for you. bayerequineconnection.com / Main / Ownership_Finances / insurance. cfm southwestequinemedical.com / insurance.html The second one really talks about the types and the conditions not covered, and what to expect. You could also talk to your veterinarian about your interest in purchasing insurance. He / she may have some good insights and advice for you. Equine vets should be able to suggest companies with whom they have had experience and trust. Hope this helps! Troublesniffer 40 years owned by cats, and a former horse servant!
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