Anyone that has ever owned a horse knows that they are just as much a part of a family as anyone else. It makes complete sense that you would purchase insurance for your horse. But even though of course maybe your best friend, they are also a significant financial investment. When you make an investment like that, you need to make sure to purchase horse mortality insurance to protect your finances in case the worst happens.
A full coverage policy covers both mortality and theft. While it might not be the Wild West anymore, a horse that’s does still happen. To make sure that your horse qualifies for full coverage, you need to guarantee that your horse is physically sound and good overall health. If the total value of your horse is less than $50,000, you probably don’t need a veterinary certificate of health.
Depending upon the use of your horse, you might require a policy that extends outside North America. If you take your for a horse all over the world for horse shows or races, you will need to make sure that the insurance policy you have extends to those countries.
In case you don’t need full mortality insurance, you can purchase limited mortality insurance. This covers your horse in case its death is caused by a bridge collapse, fire or lightning, the collapse of the bridge, severe weather, or a few other scenarios. Certain insurance policies will allow you to add clauses that cover specific incidents.
Well, no one wants to think about the worst possible scenarios, it’s your responsibility to make sure that your four-legged friend is protected against the worst. You should begin looking for insurance policies before you purchase your horse. If you have not done so, been now is the perfect time to start. Asked for recommendations from friends Angelo course owners, and search around for the policy that best suits your needs.