Saturday, January 12, 2019

Protecting Your Equine Friend

A good horse is worth more than the cost of acquisition. They are more than just a pet. A good horse becomes a trusted friend, almost a part of the family. It can be difficult to face the fact that your equine friend wont be around forever. The average equine lifespan is only 25 to 30 years, so chances are high that you will outlive your horse.

When the time comes to lay your old friend to rest, will you be in a financial position to replace them? If a major injury leaves your mount seriously compromised, will you be able to afford the veterinary bills required to get him back up to snuff? If you invest in Equine Insurance, these questions and concerns will never keep you up at night.

Types of Coverage

There are three main types of health insurance for horses, surgical, major medical, and mortality. Surgical insurance covers only the cost of emergency surgeries (which can be no small sum) or surgeries your veterinarian deems medically necessary for your mounts continued well-being.
Major medical insurance for horses covers medication and surgeries required because of injuries and/or illnesses. Neither surgical or major medical insurance covers congenital illnesses, routine vet visits, checkups or shots.

Mortality coverage protects you as the owner in the event of accidental death. Typically, these policies pay the policyholder the market value of their horse after their demise. These policies are similar to life insurance policies for people.

How Much Does Health Insurance for Horses Cost?

Just like with people, cost depends upon the amount of coverage you're looking to have. On the low end, some policies are as little as $25 per month, while others range well into four figures!
Mortality coverage premiums are typically between two and five percent of the market value of your horse. No matter what health insurance for horses costs, it is certainly less than the financial and emotional cost of replacing your faithful friend.


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