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Horse Insurance

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The basic types of coverage purchased by most horse owners are mortality and major medical policies, which roughly correspond to life and health insurance for people. Generally, mortality insurance reimburses a horse owner if the horse dies. Depending on the policy, the owner may receive payment for the full or partial value of the horse. Medical and surgical policies cover the costs associated with treatment of an injury or illness. An owner can purchase mortality coverage alone, but medical and surgical policies are generally available only in combination with mortality.

The number of policies available to horse owners can seem overwhelming, including but not limited to:

• Major medical and surgical
• mortality
• loss of use
• tack and equipment

• liability for trainers
• property portection
• liability coverage for farm owners
• care, custody and control
• reproduction (stallion and mare fertility)
• and even international transit.

However, the basic types of coverage purchased by most horse owners are mortality and major medical policies, which roughly correspond to life and health insurance for people.