Horse Insurance Cost: How Much Is Horse Insurance?


How much is horse insurance? This question is asked all the time and the frustrating thing is that there is no single easy answer because the cost of horse insurance depends upon a large number of different factors like the type of coverage. The only way to get a good idea of the cost of horse insurance is to fill out an application and ask for a quote.

Mortality Insurance for Horses

Mortality insurance does exactly what it says. It protects you in the event that your horse dies. It is like life insurance, except instead of covering people it covers your horse. The reason to get this insurance is that it will help you buy a new horse in the sad event of your current horse dying. So if you are willing to pay for a new horse out of pocket, then you don’t really need this insurance. But if you don’t have a hedge fund salary, then the cost of replacing your horse out of pocket might be too much to bear and that is what this coverage is for.

Major Medical Insurance for Horses

Major medical insurance is also aptly named. It covers you in the event that your horse requires medical care. You probably already know how high a veterinary bill is for a dog or a cat. Well the veterinary bill for a horse is much, much higher because a horse is a much bigger animal and it is much harder to treat. Furthermore, more things can go wrong medically for horses than most other pets. So unless you are independently wealthy, getting this type of coverage is usually a good idea.

Additional Factors that Influence the Cost of Horse Insurance

Some other factors that influence the cost of horse insurance are the value of the benefit that you are seeking and the exemptions to the coverage. The higher the benefit you want, the more it’s going to cost you. Obviously it costs a lot more to insure a horse for a million dollars than for a thousand dollars.

It is very important to examine the exemptions when comparing how much horse insurance costs. A policy with a lot of exemptions will be a lot cheaper than a policy with few exemptions, but it will offer you significantly less protection in the unfortunate event of your horse dying or running into medical problems.

The age and the breed of your horse also play a big factor in the insurance premiums that you will have to pay. As your horse gets older you will obviously have to pay more for mortality insurance. In addition, certain breeds of horse are more vulnerable to certain expensive medical conditions, so their medical coverage will cost more.

So when it comes to horse insurance, pay attention to all of these factors when considering its cost. But the main thing to consider is the coverage that is provided. You should not sacrifice coverage in order to save a few bucks. Cutting corners is not a good idea when it comes to insuring your equine friend.

Horse Insurance


Don’t wait until it is too late to think about horse insurance. In addition to being a huge investment, a horse is a great companion. If your horse gets sick or injured, you can handle huge bills from the veterinarian. If you don’t have the funds to pay for those bills you will be faced with the difficult decision of taking on a large amount of debt or putting your horse down. Neither choice is very appealing. By getting horse insurance you will be shielded from these terrible choices.

There are many different types of coverage offered by the various horse insurance companies and the cost of horse insurance can vary dramatically between carriers. So it really pays to do your homework when shopping around for the best equine insurance possible. Take your time and make sure that you get three or more horse insurance quotes from competing companies. And be sure to check the financial strength of the company that you are considering purchasing insurance from. You want to make sure that the company is financially stable so that it will be around to pay any major veterinary bills that arise.

When examining policies, be especially careful to consider any gaps or exclusions in the coverage. Some companies may sneak in little loopholes or gaps in the coverage that will leave you high and dry when something bad happens to your horse. You will need to make sure that the insurance company has little wiggle room or you may not have the coverage that you think that you have. So read the policy carefully and only work with an agent that you trust to put your best interests first.

Another thing to watch for with horse insurance is liability coverage. In the event that your horse injures someone or damages someone else’s property, you could be liable. Many people assume that their homeowner’s policy would cover this, and sometimes it does. But other times it doesn’t. So if your homeowner’s insurance does not cover this liability you need to get coverage for this too.

There are quite a few companies that offer horse insurance. Here are a few companies that you might want to consider. Keep in mind that this is not a recommendation or endorsement of any of these companies. This is just a list of companies that you may want to research and do your own due diligence upon.

When searching for horse insurance, don’t neglect your own dental needs. If you live in Hawaii, make sure you locate a great hawaii dentist¬†or a great honolulu dentist to take care of your teeth. Remember, you can’t enjoy your horses to their full potential if your teeth are hurting and in need of quality dental care.

Markel Horse Insurance

Markel has been in the horse insurance business for more than forty years. Markel equine insurance coverage has around for a long time and they actually invented several of the various types of horse insurance. A lot of their employees own horses and so they understand the unique needs of horse owners.

EMO Horse Insurance

EMO has been providing horse insurance for the past twenty five years. It was started by a well known horseman named Ernest Oare. Oare’s family is renowned for training race horses. Oare started EMO in 1983 to meet the needs of fellow horse owners.

Kirk Horse Insurance

Kirk Horse Insurance is an underwriter for North American Specialty Insurance Company, which is owned by Swiss Reinsurance America Corporation. Swiss Reinsurance America Corporation is rated A by A.M. Best which means that they believe that it is financially sound. Kirk’s single line of business is offering horse insurance. Kirk was started by Ronald Kirk in 1981.

Jarvis Horse Insurance

Jarvis says that they can’t predict the future but they can protect it. They are well known for their special requirements coverage and for providing coverage to international horse owners. They seem to go the extra mile for their clients and are very flexible with the types of coverage that they offer. So they can tailor the equine coverage to the specific needs of each horse owner.

Wilkins Horse Insurance

Wilkins provides horse and livestock insurance. So they are a little less specialized than some of the other insurance companies listed here. However, one of the great things about them is that they do not require a veterinary exam if certain conditions are met. Another great thing about them is that most of their policies include free colic surgery coverage on qualified horses.

Horse Colors


Horses come in many different colors. Some are black, others are white and some are brown.

So how do you tell what color a horse is?

The key to determining the color of a horse is to look at its points. The points are literally points, its nose, ears, tail and feet.

Some of the more obscure and interesting colors to know are:

Appaloosa: This is brown spots on a white coat.

Blue roan: This is black points and a smattering of white through a primarily black or dark brown coat.

Chestnut: This is brown points with a yellowish brown coat.

Dun: This is a golden brown coat with black points.

Pinto: This is a horse with big patches of black and white colors.

Of course I should mention that horses come in other colors like black, white, brown and grey, but you probably already know about those colors. So I won’t get into them.

So now that you know the colors of a horse, let’s talk a little more about horses, which are some of the coolest animals in the world. Horses are very big and very strong. Before the invention of the steam engine and the internal combustion engine, they were our primary source of mechanical energy. That is why we still measure units of mechanical energy in horsepower, which is the amount of power that one strong horse can generate in a given amount of time.

In the olden days, horses were used to pull carriages and wagons, plow fields and also used to transport people quickly. They were a big part of the famous Pony Express, which was a part of our postal system bad then. They transported mail across the country at an astonishing pace before the development of the railroads.

Horses were specifically bred to be able to do a lot of work and require the least amount of care to perform that work. But these days after the invention of the engine, we no longer need horses to do work that can be done with cars, trucks and tractors. So instead we have started breeding horses for racing.

They can be raced in chariot races like in the movie Ben Hur or they can be raced by jockeys like in the Belmont Stakes or even the granddaddy of all horse races, the Kentuckey Derby.
So horses are some of the coolest animals around. So I encourage you to visit your local stable today and get to know more about these amazing animals. You will be happy that you did.