Horse Insurance Providers This Is Why Your Horses Need The Best Insurance

Owning a horse is not just about fun rides and enjoying its company. It might be a bit of a financial rollercoaster.

Suppose, You are enjoying a nice ride with your horse. And the next, you are hit with huge vet bills that make you rethink everything. In such situations, you badly need a way to handle these unexpected costs and take care of your horse.

In the US, the only thing more important than a comfortable saddle is finding the perfect insurance policy for horses. So, we are going to introduce you to the top and most reliable horse insurance providers to help you choose the right one for your horse's needs.

How much does horse insurance cost?

The cost of horse insurance depends on the value of the horse and the type of coverage you need. For instance: The major health coverage cost is two hundred dollars to more than six thousand dollars each year. The cost of mortality insurance is up to 3.6 percent of the horse's value. If you purchase a horse with ten thousand dollars, $290 to $360 USD per year as mortality insurance if your horse dies, is stolen, or loses its functional ability permanently.

What type of insurance plans are available for horses?

There are different types of horse insurance policies available. Each of them provides individual benefits based on your needs.

Insurance for mortality:

This is a life insurance policy that can help you financially if your horse dies or gets stolen. The monthly cost depends on the value of your horse. There are two types of mortality insurance such as limited and full mortality. A limited type of mortality insurance covers if there is a specific reason for death. On the other hand, full mortality insurance covers almost any cause of death or theft such as serious injury, natural disasters, fire, or any kind of illness. Some unusual accidents also fall under the full coverage of mortality insurance.

Insurance for loss of use:

If your horse can not work anymore due to any illness or injury, you can choose this insurance.

Comprehensive health coverage: This type of coverage is very important when your horse gets sick. The cost of this insurance depends on certain things such as your horse's breed, its age, and your living area. After getting injured or being sick, if the vet treats your horse, you will pay the vet bills. Then you can ask for a refund through this health insurance policy. However, the price may vary according to the horse’s main job. That means, getting insurance for a horse that specializes in farm work is different from a riding horse.

Insurance for liability:

If your horse causes any damage or injures someone, liability insurance can protect you. This insurance policy is really beneficial if you have a horse-related business.

Saddlery and tack insurance:

If the equipment needed for horse riding and handling is damaged or stolen, this insurance policy can help you to replace or repair them.

Insurance for horse-drawn vehicles:

If the vehicle is damaged or stolen you can receive this insurance for its repair or purchase a new one.

Horse trailer insurance:

If there is damage to the horse trailer that it can not transport the horses properly, you can receive this insurance plan.

Insurance for foal:

This type of policy covers the management cost from before and after birth of foals.

Infertility insurance:

If the stallion becomes infertile this insurance plan covers the treatment cost.

Which are the top horse insurance providers in the US?

You must ensure the lifetime security of your beloved horse with the help of a horse insurance company. However, getting a trusted insurance provider is very difficult if you don't have enough idea about the services and policies of different insurance providers. However, certain insurance companies in the US will give you the best coverage based on your requirements.

Blue bridle insurance:

This company provides different types of benefits according to the needs of horse owners. Their coverage includes mortality, surgical insurance, and vet fees for different medical conditions. The blue bridle insurance company does not cover preventative care and wellness exams. However, they cover the expenses of surgeries and various health issues like soft tissue injuries, equine ulcers, Lyme disease (bacterial infection due to the bite of a parasite), pneumonia, and colic (problems in the digestive system). They set their annual coverage limit according to the insured value of horses.

The American Society for The Prevention of Cruelty to Animals or ASPCA horse insurance:

This company covers illness, accident, and wellness care according to the plan you select. It includes coverage of vaccines and dental care as well. Their yearly coverage limit ranges from three thousand to seven thousand US dollars. You will have to pay $100 to $500 dollars before coverage starts. You will get back seventy to ninety percent of the expenses. And it will take fifteen days to start the coverage for illness and accidents.

Pet Assure:

It is a veterinary discount plan that provides a good percentage of discounts on veterinary bills. If you want to ensure routine care for your horse, then you can use this program to bear the expenses. You can use a separate horse insurance program along with this discount plan. Pet Assure offers three types of plans such as basic, essential, and premium. Each plan has different services for your horse. Their services include routine care, hospitalization, surgical procedures, dental care, vaccines, and treatment of other diseases like cancer. The yearly coverage limit starts from $350 dollars.

Broadstone insurance:

Horse owners and horse-related businesses get specific protection from this company. Each year they get $5000 to $150000 amount coverage. The policies of this company are applicable for horses aged thirty days to twenty years. You have to pay $250 to $675 dollars before the policy begins. The reimbursement amount varies according to the willingness of the insurance company.

Hallmark horse insurance agency:

This insurance company provides different kinds of policies for horses. If your horses can not be used anymore or it gets stolen you can use any suitable policies of this company. The hallmark insurance agency offers flexible plans that you can adjust with additional benefits. These benefits include vet bills, expenses for accidents, extra treatment, dental care, public liability, disposal costs, transport, and boarding costs as well. Insurance policies for mortality and liability are available in all the US states except Hawaii and Alaska.

How can you choose the best insurance provider for your horse?

Before selecting the insurance provider for your horse, you must think about your budget, the reputation of the insurance company, and what type of coverage you need. Besides that, you have to know how much coverage the insurance company provides and how much support their agent will provide you. Ensure that the policy meets the demands of you and your horse. Some companies provide short-term coverage due to any specific event. If accidents or injuries happen due to any event like horse racing competitions, you can receive benefits from such insurance companies.

In conclusion

If you are a horse owner, you know how much this majestic creature means to you. Whether it is your work partner or companion, it deserves the best support when it becomes ill or gets injured. Every horse owner needs horse insurance to protect their horse and save their wallet from unexpected expenses.

In our short conversation, we tried to suggest to you some most popular insurance providers for horses in the US. If you have queries about any specific concerns regarding horse insurance, you can comment. And share our discussion with others who need suggestions about choosing the right insurance company based on their requirements.

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