| For many horse owners and riders, equine insurance | | | | of cases horses less than 30 days and over 16 years |
| can be an easy area to overlook. It is pushed to the | | | | can not be covered by a general policy. Some |
| bottom of the pile and considered an unnecessary | | | | insurance companies will offer special policies for foals |
| expense. There is a certain amount of apathy | | | | and elderly horses. |
| amongst some individuals with them assuming that 'it | | | | As well as taking care over the choice of insurance |
| will never happen to me.' Unfortunately, accidents do | | | | package, it is also vital that horse owners review the |
| happen, often when its least expected and the | | | | policy on a yearly basis, so that it is kept updated. If |
| resulting cost can be enough to put an owner into | | | | an incident takes place and the details on the policy |
| financial jeopardy. In some cases, the horse or pony | | | | don't match the horse precisely, the insurance |
| involved might have to be put down, simply because | | | | company might not honour the claim. |
| the owner can't afford to pay out for the level of | | | | If money is a concern, shopping around for a policy is |
| veterinary care required. | | | | definitely recommended. Also bear in mind that some |
| It is also important to remember that it is not just | | | | companies will offer discounts or special offers if |
| the safety and welfare of the horse that needs to | | | | more than one policy is held at the same place. This |
| be considered. Equines can do considerable damage | | | | can bring the costs down quite considerably. |
| to cars and property should they get loose. In most | | | | Horse insurance is usually provided by insurance |
| cases, the person associated with the horse will be | | | | companies focusing purely on the equestrian or rural |
| liable for the costs and will have to find the money | | | | marketplace. Consequently, they usually have a fairly |
| to fix whatever destruction was caused. The right | | | | in-depth understanding of the subject area and will be |
| horse insurance package can provide protection from | | | | able to answer any questions or concerns that the |
| disaster scenarios such as these. | | | | customer may have. Most will be quite happy to talk |
| Most horse insurance companies will tailor make a | | | | through the options and tailor a policy specifically for |
| policy to suit the specific needs of the horse and | | | | the purchaser asks. |
| owner in question. Options can include protection | | | | The most important thing is to have something in |
| against: Theft or Straying, Death by Injury or Illness, | | | | place, to protect both horse and rider. Just pick up |
| Vet Fees for Injury or Illness, Disposal after Human | | | | the phone and get it organised as soon as possible. |
| Destruction or Death of the Horse, among many | | | | The cost of horse insurance really is minor compared |
| others. | | | | to how expensive things can get if the horse in |
| When selecting a policy, it is important to read the | | | | question either injures itself or inadvertently damages |
| small print. There are a number of things that can | | | | someone else's car or property. Owning such a |
| void a claim. Even something as minor as not | | | | valuable animal, from both an emotional and |
| worming the horse as regularly as the veterinarian | | | | monetary point of view, without any cover just isn't |
| recommends can result in an insurance company not | | | | worth the risk. |
| paying out. Owners must also be aware that in a lot | | | | |