02/13/2024
Do you have a plan for your horseβs unexpected medical expenses? (Read, for example: can you afford colic surgery if it comes to it?)
Whether a horse is purchased for personal or business reasons, horse ownership represents a significant investment of time, money, and resources. While nothing may easy the emotional burden, wise planning can at least help reduce the economic impacts should something happen to your precious companion.
There are many types of coverage available to the horse owner and the conditions can vary widely between companies. Common types of coverage available for horses are listed (but not limited to what you see) in the graphic. Some equine insurers may require an insurance examination certificate signed by a veterinarian before a policy will be issued for a horse, however that does not mean your veterinarian can attest for the insurability of the animal β your veterinarian can only respond to questions of which he or she has direct knowledge, reporting the medical facts to the best of his or her ability.
Regardless of the circumstances, never ask or expect your veterinarian to report a claim to the insurance company or to be an expert with regards to your insurance policy. This is your responsibility as the owner and if you have questions regarding your policy be sure to ask your insurance agent!