Equine Insurance

Can you protect yourself against potential calamities by purchasing insurance? The answer to that question is easy. Yes. You can insure your horse for a wide variety of eventualities–all the way from being struck by lightning or hit by a car
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The great day has arrived. You’ve been patient. You’ve saved your money. You’ve looked at dozens of candidates. Now you know this is the horse for you, the one that will take you to the training level at the horse trials or, if another discipline is involved, allow you to move up in your chosen competition. The only problem is that the horse costs a good deal of money. He has wiped out your savings and now worries begin to assail you. What if the horse needs colic surgery? What if he blows a suspensory? What if he gets laminitis? What if he dies?

Can you protect yourself against these potential calamities by purchasing insurance? The answer to that question is easy. Yes. You can insure your horse for a wide variety of eventualities–all the way from being struck by lightning or hit by a car to not becoming pregnant.

Immediately, a second question surfaces: should you? The answer to that one isn’t as easy, as there are many variables. If you do insure the horse, what should you insure it against?

To help horse owners find answers to their questions regarding insurance, we have turned to three agents in the field, each one representing a different focus in regard to the type of horses with which they are involved. Shawna Dietrich of Dietrich and Company of Simpsonville, Ky., has an emphasis on sport horses; Kay Cassell of Kay Cassell Equine Insurance, of Jonesborough, Tenn., has an emphasis on cutting horses and show horses of the stock horse breeds; and Richard Grossman of Continental Bloodstock Agency Limited, of Lexington, Ky., insures mostly Thoroughbreds

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Written by:

Les Sellnow was a prolific freelance writer based near Riverton, Wyoming. He specialized in articles on equine research, and operated a ranch where he raised horses and livestock. He authored several fiction and nonfiction books, including Understanding Equine Lameness and Understanding The Young Horse. He died in 2023.

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