Equine Insurance

Do you buy insurance for your horse(s)?
(Check all that apply)

Yes, mortality only
Yes, major medical/loss-of-use
Yes, liability and/or specialty
I plan to in the future

Total votes cast: 1310

Comments & Write-in Answers

major medical and mortality

10/29/2007 11:50:36 PM

Trainers Insurance, Mortality, Major Medical, Loss-of-use & excess liability

10/29/2007 5:22:00 PM

my horse is very healthy and sound

10/29/2007 11:50:54 AM


10/29/2007 9:47:06 AM

it paid for my horse's rehab

10/28/2007 12:08:59 PM

Required for where we live, close to main highway.

10/28/2007 11:11:51 AM

In event of the need for colic surgery.

10/28/2007 6:06:33 AM


10/28/2007 2:01:33 AM

mortality/surgery and liability my horse is worth it

10/27/2007 7:46:39 PM

I have mortality and surgical coverage on my TWH, can't afford it on all.

10/27/2007 3:57:32 PM

horses insured for mortality in order to get major medical coverage

10/27/2007 3:33:42 PM

unsure where to start

10/27/2007 1:59:58 AM

stallions are fine-human factors, acts of nature endanger.

10/26/2007 11:58:51 PM

I only have my 3 year old and weanling insured.

10/26/2007 9:27:15 PM

I insure with Blue Bridle. Very nice people and thank goodness I've never had to use the insurance!

10/26/2007 1:06:41 PM

I have in the past but not currently

10/26/2007 12:36:01 PM

We have 5, 1 w/ medical & mortality, the rest are just liability

10/26/2007 12:04:03 PM

just on the expensive one

10/26/2007 11:01:12 AM

But I've reduced his "value" as he's aged

10/26/2007 10:53:41 AM

just liability

10/26/2007 9:33:25 AM

Horrible they company refused to pay for a recent hospitalization for a hock problem.

10/26/2007 7:22:33 AM

nice site

10/26/2007 6:42:38 AM

too expensive

10/26/2007 3:30:54 AM

I spent $5,500 on bilateral eye ulcers, cause-unknown, horse ok now, months of doctoring

10/25/2007 11:42:02 PM

it's far too costly for as many as I have

10/25/2007 10:58:00 PM

when i can find one they don't advertise to find them

10/25/2007 8:43:56 PM

Dead is dead. If we lost a horse it probably wouldn't be covered anyway, so why spend the money?

10/25/2007 8:36:30 PM

It's a chunk of money, but a small price for peace of mind!

10/25/2007 8:33:36 PM

cant afford it for myself, but would buy it for the horses first

10/25/2007 8:16:30 PM

I've always had mortality/major medical. Never Loss of Use=too restrictive!

10/25/2007 8:06:01 PM

I have mortality, surgical, medical, theft.

10/25/2007 7:27:34 PM

I need advice on good plans.

10/25/2007 7:03:58 PM

It covers if someone else gets hurt on my horses

10/25/2007 6:53:00 PM

Mostly older, uninsurable horses

10/25/2007 6:49:01 PM

horse is too old

10/25/2007 6:40:42 PM

WE bought our horses for 900 and thet are worth 100,000,000dollars to me

10/25/2007 5:58:33 PM

Major medical, mortality and loss-of-use

10/25/2007 5:03:30 PM

It seems I can't get mortality anymore as my horse is over 17 years old.

10/25/2007 4:24:47 PM

just ones that have too much in them to lose

10/25/2007 4:21:24 PM

Planning on SOON getting US Rider and Mortality (possibly loss of use on 1 out of the 4)

10/25/2007 3:59:45 PM

just for one of them, or would for a new one in order to cover me till i can get some value from the

10/25/2007 3:51:57 PM

Membership of the British Horse Society covers you for £5million public liability.

10/25/2007 3:13:32 PM

Only for 1 od my 2 horses - he is a well-trained reining horse and well worth the money spent!

10/25/2007 2:20:12 PM

The insurance is well worth the money. It gives you peaceof mindthat you know that you have some asr

10/25/2007 12:51:34 PM

I have major medical just as I would for a family member and also mortality.

10/25/2007 12:03:23 PM

At 20 years old, my horse is not eligible for insurance, but I would buy it if she was younger

10/25/2007 11:55:14 AM

I have 3rd party liability through my provincial horse council, plan on getting mortality

10/25/2007 11:38:57 AM

Great American - my experience with them has been superb!

10/25/2007 9:48:48 AM

I did but cancelled it this year.

10/25/2007 1:08:10 AM

Horses are too expensive to not insure & liability insurance is a must.

10/25/2007 1:01:21 AM

I am considering insurance for my show horse

10/24/2007 11:51:57 PM

I insure mine if/when they go away from home for training with mortality and major medical/surgical

10/24/2007 10:20:22 PM

I have my horse insured through Blue Bridle Insurance . Peace of mind :) great customr servce

10/24/2007 10:18:10 PM

I take out Morality for the race horses and major medical is added to the mares, adding foal ins.

10/24/2007 9:53:44 PM

pur stable requires we carry a 100,000 indeminity/liability policy for all boarders

10/24/2007 8:59:24 PM

Love to have it but the conditions and restrictions either make it unavailable or too costly 4 me!!!

10/24/2007 8:23:23 PM

Liability through USEF membership. Otherwise, too restrictive and costly

10/24/2007 8:20:41 PM

They tell me that my $500 BLM mustang is "uninsurable"...he's priceless at any rate!

10/24/2007 8:05:10 PM

not yet, but i should.

10/24/2007 7:51:57 PM

I have always carried mortality/majormedical insurance

10/24/2007 6:33:49 PM

liability coverage cimes with membership to our provincial equestrian assoc. - cheap peace of mind!

10/24/2007 5:14:02 PM

I would if she were still young enough to be covered for more than just mortality

10/24/2007 4:36:09 PM


10/24/2007 4:02:14 PM

Only insure 1 of my 3 horses. He is a barrel horse and I couldn't afford to replace him without it.

10/24/2007 3:09:17 PM

Not worth the $ for reg. horse owner, doesn't cover what it should anyway

10/24/2007 2:44:45 PM

all of mine are fully insured. it has saved me big in the past

10/24/2007 2:31:04 PM

through Horsemen's Council of IL, membership open to all

10/24/2007 2:24:36 PM

Had Ins they canceled w/Laminitis & IR diagnosed

10/24/2007 2:22:30 PM

Can't afford it

10/24/2007 1:46:53 PM

Low cost compared to treatment or loss of a dearly loved partner no matter it's market value.

10/24/2007 1:39:10 PM

I have added mine most valuable horses onto my home-owners policy. Only covers accidental death.

10/24/2007 1:38:56 PM

My horses are used in riding lessons, and are covered in case they get loose.

10/24/2007 1:38:56 PM

My valuable show horse is insured, my pleasure horse and retired broodmare are not

10/24/2007 1:21:03 PM

I would, but cannot afford to at this time.

10/24/2007 12:52:52 PM

Major medical was too expensive - or my horse too cheap and too old when I took out an insurance

10/24/2007 12:29:54 PM

Ins. isn't for everyone;depends on horse use; value,budget,liability very important.

10/24/2007 12:22:26 PM

My horse's are to valuable to not insure them. They are family too.

10/24/2007 12:10:05 PM

Mortaility and Surgical

10/24/2007 11:57:00 AM

mort and major med

10/24/2007 11:27:02 AM

I carry PreventiCare's colic reimbursement program, but that's all.

10/24/2007 11:26:13 AM

I insured my mare this February, had to make one claim. Insurace has paid for itself many times over

10/24/2007 10:52:41 AM

We carry mortality on our commercial mares and their foals. We purchase liability coverage for all.

10/24/2007 10:32:33 AM

It's free if you're a member of the Kentucky Horse Council

10/24/2007 10:11:43 AM

I only have insurance that will cover accidents on our farm from the horses

10/24/2007 10:07:13 AM

I did until the horse's age made the premiums outrageous. (18yrs. = $1150.

10/24/2007 10:07:07 AM

Mortality and Major Medical!!

10/24/2007 10:05:30 AM

It is a matter of economics as to what insurance I can afford.

10/24/2007 9:57:30 AM

I figure if I have the Mortality Ins, murphy's law will dictate that I won't need it! Hopefully!!

10/24/2007 9:57:25 AM

Third party & personal accident. i was refused full cover cos she is 15

10/24/2007 9:53:40 AM

After having a 4 yr old need bone scans, I'll always have full coverage!

10/24/2007 9:53:39 AM

Liability is the most important. You don't want to lose everything you own if someone sues!

10/24/2007 9:29:23 AM

bad survey set-up. I have mortality and major medical.

10/24/2007 9:15:07 AM

Value not enough to warrant it yet

10/24/2007 9:12:59 AM

I have looked into it but never purchased.

10/24/2007 9:03:56 AM

used to have it, maybe will again in the future.

10/24/2007 8:43:41 AM


10/24/2007 8:40:43 AM

we all do now after a boarder in our barn had to cover colic surgery herself

10/24/2007 8:37:20 AM

Your survey doesn't allow for multiplle answers.

10/24/2007 8:23:47 AM

Mortality and major medical.

10/24/2007 8:18:27 AM

For showing and home protection.

10/24/2007 8:04:31 AM

Not currently though, it has gotten expensive. I do have plans to buy insurance in the future.

10/24/2007 7:54:29 AM


10/24/2007 7:23:36 AM

for my show horse only

10/24/2007 7:12:40 AM

Not for the older ones, just the 2 we paid a lot for

10/24/2007 6:57:00 AM

I'm new to horses, did realize you could have ins for companion horses, never thought about it.

10/24/2007 6:20:13 AM

Not a common practise in South Africa, only for the rich

10/24/2007 5:02:14 AM

Have you ever tried to get an insurer to pay up?????

10/24/2007 3:49:44 AM

Past the age limit for major medical; mortality is unimportant

10/24/2007 1:32:22 AM

Mortality and major medical. Saved my horse!

10/24/2007 1:10:17 AM

The entire idea of "insurance" is a kind of pyramid scheme.

10/24/2007 1:01:26 AM

It's too expensive for backyard typical pet horse. Wish it were cheaper!

10/24/2007 12:41:14 AM

I buy mortality/colic/surgical. If you like your horse, loss use a waste. Markel paid on death.

10/24/2007 12:38:37 AM

It is incredibly reassuring to know I can afford any required medical or surgical care for my horses

10/24/2007 12:37:28 AM

can't aford it

10/24/2007 12:15:35 AM

As the quality of our horses increase we realize the need for insurance

10/24/2007 12:09:57 AM

We insured for mortality and loss of use until he exceeded the age limit :( Still would if allowed!

10/24/2007 12:09:11 AM

Mortality, major medical & liability

10/23/2007 11:52:46 PM

my horse needed emergency surgery.100% recoveredand back to work. recovered ,now

10/23/2007 11:36:03 PM

have in the past, too many horses now to insure!

10/23/2007 11:09:45 PM

I finally found a stallion that when bred to my mare has produced a foal that surpasses both parents

10/23/2007 10:43:04 PM

Would if a) was cost effective for multiple horses like a "family" rate b) mthly $ fm payck

10/23/2007 10:28:13 PM

We now insure 4 of the 7 horses. The insurance has been great for a horses that had lyme's.

10/23/2007 10:16:43 PM

Too expensive.....

10/23/2007 10:09:16 PM

I have mortality and colic surgery insurance, but only on my herd sire.

10/23/2007 10:00:24 PM

I did, but horses are too old for insurance now. Otherwise, breeding animals--YES!

10/23/2007 9:46:21 PM

I have insurance on my young horse that I bred, but not on my 3 other horses.

10/23/2007 9:43:25 PM

It is very expensive when you have a lot of horses, I have 10 with 3 more on the way

10/23/2007 9:38:50 PM

Yes...Mortality and major medical..do not get loss-of-use unless you want to see your horse die

10/23/2007 9:31:44 PM

Medical & mortality

10/23/2007 9:19:31 PM

My horses (so far) aren't high dollar, but may chose to in the future.

10/23/2007 9:17:25 PM

Mortality, Major Medical, Colic Surgery. In order to reduce the annual premiums, I have reduce the

10/23/2007 9:11:10 PM

can't afford it

10/23/2007 9:04:53 PM

Owe $8,000 to UCD for unpreventable surgery, It's hard to make a good call when you worry about $.

10/23/2007 9:03:44 PM

No, you need permission to treat or put down, I decide

10/23/2007 9:02:35 PM

Put mort. & major med. on warmblood. Thank God...he got EPM! Recommend to my clients. Safety net.

10/23/2007 8:51:59 PM

I insure them against accidental death

10/23/2007 8:43:48 PM

Mortality & Major Medical

10/23/2007 8:43:35 PM

Hard to obtain

10/23/2007 8:42:07 PM

I was told my horse wasn't worth enough to insure!

10/23/2007 8:38:35 PM

I bought extra liability, have $1M home owner's coverage, mortality, and colic surgery

10/23/2007 8:29:58 PM

The piece of mind it gives me is worth the price.

10/23/2007 8:26:19 PM

too morbid, jinxes good luck, a $700 horse is rarely insured. she's worth more to me than just money

10/23/2007 8:23:58 PM

She's too old.

10/23/2007 8:15:34 PM

I have six horses, but only the expensive show horse has insurance.

10/23/2007 8:13:46 PM

insure only herd breeding stallion, not financially feasible on the 18 others (on breeding farm)

10/23/2007 8:10:59 PM

I just lost a horse to colic and I plan on buying colic and major medical insurance asap.

10/23/2007 8:05:34 PM

had the misfortune to need medical this year thank goodness we had the coverage

10/23/2007 7:52:43 PM

I have major medical/surgical in addition to mortality

10/23/2007 7:44:15 PM

I have funds set aside in an investment that I can access if necessary.

10/23/2007 7:20:41 PM

I insure my expensive ones for mortality, medical, & Liability

10/23/2007 7:20:01 PM

Used to have insurance but increased premiums made it too expensive (Western Australia)

10/23/2007 7:14:22 PM

It's expensive but will be helpful in the event of emergency medical care.

10/23/2007 7:05:17 PM

I belong to OEF in Ont. Canada. it comes with membership.

10/23/2007 7:01:03 PM

major medical and mortality

10/23/2007 6:57:38 PM

Too old >15 years

10/23/2007 6:51:31 PM

Mortality & major medical on my show horse

10/23/2007 6:39:14 PM

yes, my horse is part of the family

10/23/2007 6:34:21 PM

No... but I should

10/23/2007 6:27:31 PM

Too many horses, some are just rescues, or retired. Insurance would cost more than any losses.

10/23/2007 6:21:33 PM

major medical & mortality

10/23/2007 5:47:26 PM

plus surgical, an option not listed

10/23/2007 5:45:01 PM

Horses are too old to insure.

10/23/2007 5:44:08 PM

I have mortality and major medical... No loss of use

10/23/2007 5:41:07 PM

can't afford it!!

10/23/2007 5:39:34 PM

When I graduate from college I plan to buy insurance for my horse.

10/23/2007 5:31:20 PM

mortality + major medical + liability

10/23/2007 5:24:33 PM

He is valuable only to me and could not be replaced monetarily.

10/23/2007 5:24:27 PM

full mortality on the stallion, "Named Perils" on the mares which is much cheaper

10/23/2007 5:17:28 PM

I used to - but I can't afford it anymore.

10/23/2007 5:13:21 PM

only for our gran prix horse

10/23/2007 5:10:10 PM

But I lost a $6,000 horse to EPM and wish I had.

10/23/2007 5:04:28 PM

I pay $200/yr mortality insurance based on $6000 value of the horse.

10/23/2007 4:58:51 PM

as rescues mine where too old when I got them to get med/surgical coverage

10/23/2007 4:58:07 PM

I think it's wrong for insurnace companies to require Mortality in order to get Major Medical.

10/23/2007 4:56:48 PM

until the ins co's cut you off at the knees at age 16-what a crock!

10/23/2007 4:51:12 PM

I need to do research on different companies to feel comfortable about my choices

10/23/2007 4:46:26 PM

My horse is "retired" and any emergency needs will be visited.

10/23/2007 4:41:30 PM

mortaility and major medical. no loss of use

10/23/2007 4:37:27 PM

My horses aren't hi $, I can afford major vet bills, I don't believe in colic SX

10/23/2007 4:35:10 PM

Yes, Mortality, Liability and Major Medical (but NOT Loss of Use.

10/23/2007 4:31:31 PM

Only Liability....just in case!

10/23/2007 4:31:26 PM

expense factor

10/23/2007 4:26:15 PM

I have Liability, Mortality, medical/loss of use, colic.

10/23/2007 4:25:07 PM

My Horses are too old to be insured.

10/23/2007 4:21:34 PM

Had planned to, but illness came before I acted.

10/23/2007 4:18:14 PM

Mortality, Major Medical and Liability

10/23/2007 4:16:12 PM

I used to when I was showing and traveling alot.

10/23/2007 4:13:54 PM

only bought for the most valuable horses. Thank God haven't needed to use it.

10/23/2007 4:13:35 PM

I used to, but the premiums increased so I dropped it.

10/23/2007 4:12:44 PM

Major medical/colic insurance saved my horse's life! Couldn't have afforded otherwise.

10/23/2007 4:07:37 PM

We buy major medical and mortality, did not see that as an option in the list.

10/23/2007 4:06:27 PM

Didnt provide a choice for major medical and mortality.

10/23/2007 3:58:17 PM

The companies try not to pay claims

10/23/2007 3:58:11 PM


10/23/2007 3:56:30 PM

use to have insurance, then when something happened they would not pay unless it was a freak acident

10/23/2007 3:52:42 PM

who can afford it????

10/23/2007 3:47:13 PM

when our eventing horses go prelim we insure them

10/23/2007 3:39:25 PM

I do but the one claim I had to make was a nightmare

10/23/2007 3:36:13 PM

Just have a couple of backyard boys right now; younger additions may make me rethink this...

10/23/2007 3:33:18 PM

Had it - way too many hassles to make it worth the outrageous $$$ charged.

10/23/2007 3:31:37 PM

my mare is more fully insured than my house, my car and me!

10/23/2007 2:46:20 PM

2 out of 3 horses are insured.

10/23/2007 1:23:34 PM

Insurance companies don't want to insure pleasure horses. Liabilty would be good to have.

10/23/2007 12:46:35 PM

Why new one's made everyday!!

10/23/2007 12:05:51 PM

I buy mortality and major medical - not loss of use.

10/23/2007 11:57:40 AM

I used to until they started excluding everything under the sun

10/23/2007 11:29:59 AM

It just makes cents.

10/23/2007 10:57:16 AM