| You are now thinking-what are your crazy? Why | | | | If you own or operate a stable, you need even |
| would anyone purchase insurance on the average | | | | more coverage that would include: liability for |
| horse? You know that the special thoroughbreds, | | | | trainers, farm owners and guests; property |
| Arabian, and other special breeds are covered but | | | | protection; reproduction (stallion and mare fertility |
| why should you spend the money for your own | | | | versus infertility); and transport of animals. |
| horse? | | | | Usually, a horse owner received money from |
| Well, it is no longer an issue for the very wealthy | | | | mortality insurance if the horse dies. Depending on |
| owners and breeders. If medical attention or | | | | the details in the policy, the owner may receive a |
| surgery is needed, this can make a difference | | | | full or partial payment based on the value of the |
| between saving your horse's life or putting them | | | | animal. A medical and surgical policy will cover |
| down. And, who really wants to sacrifice their pet | | | | costs directly related to the treatment of an |
| just because they can not afford to pay the | | | | injury or illness. |
| veterinarian? | | | | If you are not sure what horse insurance to |
| If you own a horse of any breed, you know that | | | | purchase, find an insurance agent that specializes |
| it is a major financial investment. | | | | in horse insurance. They should answer your |
| You not only pay money to purchase him, but | | | | questions and explain the terms and benefits |
| the boarding and upkeep for this is very | | | | described in the plan. |
| expensive and people just want to protect | | | | It is their job to sell you and other people horse |
| something that they love. There are a few basic | | | | insurance-so, they want to make sure that they |
| types of coverage you can purchase; they are | | | | do their job correctly. Their reputation can be |
| mortality and major medical-these are comparable | | | | made or ruined based on how they work with |
| to life and health insurance for people. | | | | their clients who want to make this purchase for |
| Now that you realize that you should purchase | | | | their animals. Just remember, that the agent you |
| insurance for your horse, what kind should you | | | | select should have experience in the equine arena. |
| get? As with anything, there are an unlimited | | | | Whether you decide to work with a capable |
| number of policies available that cover many | | | | agent or to do the research yourself on the |
| different things. Some of the basics you will want | | | | internet, remember what is at stake here. If you |
| to consider when getting coverage are major | | | | do not get the right health insurance for your |
| medical and surgical, death, loss of use, and | | | | horse, there may come a time when you truly |
| equipment. You are thinking-what, all of this? Well, | | | | regret it. Saving a few dollars here and there |
| "Yes." Each of these is an investment you have | | | | might make a major different in the amount of |
| made and you want to be adequately reimbursed | | | | coverage you have in the event of a major illness |
| if anything should happen. | | | | or surgery. |