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Discussion on Insurance
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Member:
Horsepix
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Posted on Sunday, Oct 5, 2003 - 12:44 am:
Greetings all,
I am looking into insurance for my horse. At this point, I am looking at a mortality policy which also includes colic surgery. In addition, I'm putting in a third party liability clause which will cover up to $25,000 in damage to someone else's property (as caused by my horse).
I've found a good policy through Equine Insurance Specialists for $175/year. Anyone have any experience with them or with other insurance companies? I'd like to hear it all...the good, the bad and the ugly! Thanks!
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Member:
Sparky
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Posted on Wednesday, Oct 8, 2003 - 6:30 pm:
Amy - check your home insurance policy for a rider that covers third party liability. Here in BC most of our policies have a horse policy that is only about $26.00 added to your house insurance. Where are you located?
Hope this helps
Janet
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New Member:
Cmatexas
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Posted on Wednesday, Apr 26, 2006 - 1:23 pm:
I live in Central Texas. We are looking for insurance for our pleasure horses. Any suggestions?
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Member:
Hwood
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Posted on Wednesday, Apr 26, 2006 - 11:30 pm:
Liability? Health? Mortality?
If your horses are only used by you for pleasure and are not used for lessons, you may be able to get a liability policy through membership in your state horse council. We are members of the Kansas Horse Council, and along with membership comes an annual insurance policy on all of our horses no matter where they may be located. Equisure is the company that provides that policy through our horse council.
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Member:
Janette
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Posted on Thursday, Apr 27, 2006 - 8:48 am:
Dr O and I have a couple of our horses insured with Star H Equine Insurance. They have an office in Tioga Texas. 1-877-437-0300
We have never had to have a claim, but in my research did not hear any bad news about them
Janette
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Member:
Miamoo
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Posted on Thursday, Apr 27, 2006 - 10:41 am:
If you are paying for mortality I would add major medical. You can't get major medical with out mortality. Major medical and Liability are the two that are most useful to the everyday rider. Think about it - it is much more likely for your horse to be injured than to die. I had a mare that had soreness issues and the major medical payed for her to have a full bone scan after my vet could not locate the issue. That would have been more than I could ever have afforded. When you start doing professional stuff (i.e. boarding - care, custody and control insurance or teaching - professional liability insurance) the price will go up drastically.
Ella 
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Member:
Cmatexas
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Posted on Thursday, Apr 27, 2006 - 12:03 pm:
Ella,
Thanks for the advice. We only ride for pleasure (trail rides, weekend clinics, around our place.) However, we love these guys, and even if they aren't worth much compared to some people's, we are only teachers, and the money we have invested was hard earned. So, if anything happens to them, we need to be able to replace them, and if they are sick, we need to be able to fix them.
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Member:
Miamoo
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Posted on Thursday, Apr 27, 2006 - 12:55 pm:
It will be somewhere around $400 per horse per year to get medical and mortality (depending on the breed and value of the horse) but it sure is worth it if you need it. I didn't insure my yearling thinking that insurance was unlikely to be needed for a youngster out to pasture just to grow up and whump - she got colic. That 5,000 dollar bill was sure a lot worse than the insurance premium would have been. I could have paid insurance premiums for over 12 years for the cost of that bill!
Ella 
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