Enquine Insurance 101

Horse insurance doesn't have to be complicated. Whether this is the first time considering coverage or simply trying to understand what's out there, this guide breaks down the essentials—from mortality and medical coverage to liability protection—so informed decisions can be made without the confusion.

What is equine insurance and why would I need it?

Equine insurance helps protect you financially if something happens to your horse. Horses are valuable both emotionally and financially, and unexpected illness, injury, or accidents can be costly. Insurance gives peace of mind that you’ll have support if the worst happens.

What types of coverage are available for horses?

The main types include:
- Mortality (life insurance for your horse)
- Major Medical & Surgical (covers vet bills for accidents or illness)
- Liability (if your horse injures someone or damages property)
- Property/Tack/Trailer coverage for your equipment

How much does horse insurance usually cost?

Costs vary based on age, use, value, and coverage type. As a rough guide, mortality coverage is often 2.5–4% of your horse’s insured value per year, with medical coverage added on top.

Is equine insurance like health insurance for people?

Yes and no. Like human health insurance, it can cover medical costs for illness or injury. But horses are usually insured for both their value (mortality) and their care (medical).

What’s the difference between mortality and major medical coverage?

- Mortality: Pays if your horse passes away due to illness, injury, or accident.
- Major Medical: Helps pay vet bills for surgery or treatment if your horse gets sick or hurt.

Do I need a vet exam (PPE) to insure my horse?

For lower-value horses, usually not - a health statement may be enough. For higher-value horses or certain coverages, a veterinary exam may be required.

What’s excluded from coverage?

Most policies won’t cover pre-existing conditions, routine care (vaccines, dental, farrier), elective procedures, or performance-enhancing treatments.

Can I insure an older horse?

Yes, but options are limited. Mortality coverage may reduce after a certain age, while medical coverage often stops around 15–22 years depending on the insurer.

What happens if my horse is injured at a show or while traveling?

With the right coverage, most policies protect your horse whether at home, on the road, or competing.

Are foals, breeding stock, and stallions covered differently?

Yes. Foals are usually insurable after 24 hours–30 days old. Breeding animals may need additional coverage for fertility risks.

What is “loss of use” insurance?

If your horse becomes permanently unable to perform its intended purpose (showing, racing, breeding), loss of use coverage can reimburse part of its insured value.

What’s the difference between liability coverage for me vs. my horse?

- Personal liability: Protects you if your horse causes injury or damage.
- Commercial liability: Needed if you run a horse business (boarding, training, lessons).

Does my homeowner’s policy cover my horse?

Usually not. Horses are considered livestock, so they need their own coverage.

How do I file a claim if something happens?

Contact your insurance agent/company right away. They’ll ask for details, vet records, and guide you through the process. Quick reporting is important.

Can I insure tack, trailers, and farm property too?

Yes, many policies offer add-ons for tack, horse trailers, barns, and equipment.

Do I need equine insurance if I board my horse?

Yes. Even if you board, you’re still responsible for vet bills and liability. Boarding barns usually aren’t responsible for this.

How is the horse’s value determined for insurance?

Based on purchase price, training, show record, and breeding potential. Documentation helps prove value.

If my horse has had colic before, can it still be insured?

Often yes, but the policy may exclude colic or related conditions. It depends on medical history and insurer.

What’s a deductible and how does it work with horse insurance?

A deductible is what you pay out of pocket before insurance applies. Example: with a $250 deductible on a $2,000 vet bill, you pay $250 and insurance covers the rest (up to limits).

How do I choose the right policy for my horse and budget?

Consider your horse’s value, your goals, and your ability to handle unexpected vet costs. An equine insurance agent can help tailor coverage to your needs.