What level of insurance should I get for my horse?

Choosing the right insurance for your horse or pony isn’t an easy task. With so many different providers and policies available on the market, it can feel overwhelming trying to sift through and find one that suits your horse best. We are going to take a look at the key things you need to bear in mind; in order to help you make the most appropriate choice. 

What does your horse need cover for? 

Many horse owners are aware of the need to take out insurance for their horse for veterinary fees. But there is much more to equine insurance than this. Other, nonetheless key, factors that you need to consider are:

• Whether you want cover for your horse in the awful case that he is stolen or disappears. Of course no horse owner wants to think about this but, unfortunately, it does occasionally happen.
• If you need cover for mortality/death or for permanent loss of use (where your horse can no longer fulfil his designated purpose, because of injury or disease). And whether that cover should be for the entirety or part of his value.
• Whether you need cover for his tack and equipment (this is very much individual preference).
• If you need cover for cadaver disposal, should he be put to sleep or pass away. It can be costly to have your horse’s body disposed of. So it’s worthwhile considering whether this is a manageable sum; should it need to be paid for suddenly, or if you would prefer that it be covered by your policy.
• Cover for third party liability, for in case your horse causes damage or injury to a third party. Horses are big animals with the potential to cause accidental harm to an individual or their property. Unfortunately, such an incident could lead to a costly claim against your horse – and since he doesn’t have a bank account, you’re the one who is liable.

What about the vets fees?