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  • The importance of horse insurance

We believe that horse insurance is an integral part of responsible horse ownership. Owning a horse is hugely rewarding, but it can also be expensive if your horse suffers an illness or injury.

Having a good horse insurance policy allows you to concentrate on what's best for your horse while knowing help is there for the cost of unexpected treatment should they become ill or are injured. 

People tend to think it's only older horses that get ill, and therefore, younger horses don't need horse insurance, but we know from the patients we see each day that that is not the case. 

The younger your horse is when you insure them, the better as it means you are less likely to have any existing conditions and you can then receive more help covering the cost of any future treatment your horse needs. 

It is important to note that not all horse insurance is the same. There are many different types of policy available, and the level of cover provided can vary considerably. The main types of coverage are as follows: 

  • Vet fees – This type of coverage will cover veterinary expenses and provide you peace of mind without worrying about any medical costs or treatments.
  • Third-party liability – This type of coverage will cover damage or injury by your horse.
  • Personal accident – This provides financial support in the event of an accident by a rider or horse handler.
  • Saddlery and tack – It will cover the cost of repair or replacement of lost or damaged saddlery and tack. 

Sometimes, the cheapest insurance can cost you more in the long run. The price of a horse insurance policy is based on a variety of aspects, including:

  • Your horse's age - The chances of your horse becoming ill increase as it ages.
  • The activities your horse participates in - Different activities carry different risks. High-risk activities warrant higher premiums.
  • Additional cover - While a basic horse insurance policy will cover for death of a horse, theft, you may want to take out cover for other contingencies.

If you plan to use your horse for activities such as hunting, polo, long-distance riding, cross country, polocrosse and vaulting, you may need to get specialised coverage; otherwise, you will not be fully covered. Speak to an insurance provider so you can get up to date information on the best policy for your horse.