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.