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 Posted: Fri Dec 05, 2008 10:56 am Post subject: horse insurance |
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Any idea whether it is important to insure a horse if you possess one? If so how much would it cost to insure a horse? Do I need to have liability coverage (as in auto insurance) if I wanna let others ride in?
Circus_Jones
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Circus_Jones
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| Posted: Fri Dec 05, 2008 11:13 am Post subject: |
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Hi there, I don't think it would be wise for you to leave your horse uncovered if you really care about it. The cost of insurance is quite lower compared to other associated expenses e.g. maintenance charges etc.
If you'd count on the medical costs relating to your horse you'd rather choose to insure it beforehand. Some times even the entry fee at a horse show might be more than the insurance cost associated with your horse.
Purpleheaded08
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Purpleheaded08
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| Posted: Fri Dec 05, 2008 11:25 am Post subject: |
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A horse is livestock and can be coverd just like cattle however what purple is talking about here | Quote: | | If you'd count on the medical costs relating to your horse you'd rather choose to insure it beforehand |
is more like pet insurance...a generally livestock policy would only cover the death of the animal, not vet bills...also of course you should have some type of liability coverage...check with your agent and see if your farm owners policy will cover someone falling off or getting hurt by the horse, i think it does. and of course medpay would kick in if on your property...but be sure there isn't an exclusion.
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Lori
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| Posted: Fri Dec 05, 2008 11:31 am Post subject: |
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| I have heard of pet insurance before and it I always believed it to cover the pets death. My sister has a ton of animals and when her agent came out they had to change their policy or some part of it. I think with the animals they seen it as her having a higher risk situation. She has 4 horses , cows and every other animal under the sun. |
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fireyone
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| Posted: Fri Dec 05, 2008 12:05 pm Post subject: |
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My friend..it is never possible for us to guess what health problems would suddenly come up for our pets. Soon after purchasing your horse it would be wiser for you to cover it with a medical& surgical insurance as well as standard mortality. Observe it for an year or so before you could decide about discontinuing with the former. You should also remember that you can't purchase Medical & Surgical insurance alone. Plasticmind
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Plasticmind
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| Posted: Fri Dec 05, 2008 5:22 pm Post subject: |
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| I know vet bilols can really be high. My sister has had enough of them. It is amazing how high they can truly be. We think it is hard for us to cover medicines and shots just wait until you see the vet bill. |
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fireyone
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