What type of insurance is best for my horse?

often covered collectively as theft and straying dying or being put to sleep this is called mortality insurance as well as in the unfortunate case that he cant fulfill the purpose you bought him for owing to injury or disease this is known as permanent loss of use and such cover may be obtained for all or part of his value. 
There are also other things you should consider. These include whether you need any insurance cover for his tack for yourself as a rider and for if he causes damage to another person or their property. This is whats called third party liability cover. Another significant and often unexpected cost which no owner wants to have to think about is that of cadaver disposal. In the event that your horse is put to sleep or should pass away it can give you some peace of mind to know that the cost of taking care of your horses body afterwards is covered for by your insurance policy. This means that if something should happen to him this cover might take a load off your mind at what would be an already very difficult time. 
Rider cover
Often we riders like to consider ourselves invincible. And we can forget that the effect of having a riding accident can be highly significant. Not only might we not be able to ride a catastrophe in itself but a more serious event could cause lifechanging injury perhaps temporarily or permanently putting us out of work and needing some extra help. Handily some equine policies will include some level of rider cover but its important to check this. If the policy doesnt provide for it then its worth considering a separate policy for yourself too just in case. 
Veterinary fees
We are enjoying steady progression in the
 equine veterinary field meaning that even more options and advancements are becoming available to our equine patients. The knockon effect of this though is that the cost of providing high quality veterinary care to these immense animals is significant. This means that veterinary bills are often expensive. Appropriate cover in your horses insurance for veterinary fees can help minimise the impact of any unexpected vet bills particularly when faced with an accident or if your horse needs emergency care.