What level of insurance should I get for my horse?
Going back to veterinary fees, these can obviously be expensive. Therefore having an appropriate insurance policy can definitely lessen the blow. This is particularly the case for accidents or emergencies, where decisions need to be made quickly. When considering cover for veterinary treatment, it’s important to take into consideration that many policies will have their own requirements. Such as your horse having a regular worming or vaccination routine, in order for the policy to remain valid.
In addition to the financial limit of the policy, another important factor to consider is that many providers and policies will often only include a given condition for a maximum of a 12-month period or until the financial limit is reached; at which time it will be excluded and you will not be able to claim for it in future. This is important because it means that you will be responsible for all veterinary fees related to said condition, once the exclusion is in place. Also, consider whether the policy provides cover for complementary treatment
What determines the cost of your cover?
Aside from the aspects of cover we’ve just discussed (vets fees, third party liability, etc) the choice of policy, and what you pay for it, will also be affected by individual factors to do with your horse. His age, the activities he participates in, any pre-existing conditions, and his market value can all play a part in determining your horse’s insurance premiums, the policies available to him, and whether the company will require further information such as a 2 or 5 stage vetting, or radiographs.
What about you
