General Article

Horse Insurance

People who own horses are aware of the amount of money, time and energy it takes to own these large animals. Since horses have a usable lifespan of up to 30 years, equine owners also understand the commitment they are taking on to ensure their horse remains in good health and stays safe. Horseback riding is a sport that can be dangerous, so anyone looking to purchase a dependable mount knows a well-trained horse can be expensive. Horse owners wanting to protect their investment would be wise to purchase ‘horse insurance’: horse insurance since accidents cannot be anticipated.

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Whether the horse is kept at a boarding stable or lives at the home of its owner, it is essential that a safe environment is provided for it. Unfortunately, accidents do happen in spite of every precaution and a valuable animal can be lost or rendered unusable. In addition to mishaps such as the horse breaking its leg due to a fall or getting struck by lightning, there are a number of serious diseases that threaten equines.

Responsible people who own horses make sure they have an equine veterinary administer the required vaccines throughout the year and perform a wellness examination on an annual basis. Most states also require a Coggins test to verify horses are not infected with equine infectious anemia before attending shows or organized rides. This is a precautionary measure that is used to prevent this serious disease that is spread by insect bites.

People who own and value their horses hope they never have a need for ‘horse insurance’: horse insurance, but it is much better to never need it than to need it without having it. Losing a horse to disease or accident is always traumatic to the owner, but financial compensation for the loss makes it possible to purchase another horse and start over. Some people think that insuring a horse is just another expense added to too much money spent already. It is hoped they will not regret their decision if some tragic accident or illness takes the life of their horse.