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Understanding Horse Medical Insurance

Having a pleasure horse can be one of life’s great joys. But what would happen if your trusty steed ever pulled up lame, came down with colic or needed some other kind of medical attention? Besides being deprived of your equine companion on the trail or in the ring, you could be facing a potential mountain of vet bills until the problem is fixed.

Professional and amateur equestrians are delighted with the medical advances that can now save seriously sick or injured animals. But these medical procedures come with a hefty price. Without health insurance for horses, many owners simply could not afford the treatments their veterinarians recommend.

How Horse Medical Insurance Works

Most horse health insurance policies are written as life insurance policies to cover the financial loss when a valuable animal dies or is humanely euthanized. But this kind of health insurance for horses can also be upgraded with horse medical insurance endorsements. What are they?

The Major Medical Endorsement

Adding this option to health insurance for horses will pay for non-surgical veterinary treatments of illness, diseases and accident-related injuries. Coverage is typically limited to between $5,000 and $10,000 after a deductible is paid.

The Surgical Endorsement

When only surgery will save a horse’s life, the surgical endorsement pays for covered procedures performed by a veterinarian. Once again, a deductible applies and coverage is usually limited to between $5,000 and $10,000.

Some Common Treatment Costs

Helping a horse recover from injury and illness can be complicated. Veterinary costs may include:

  • Transportation to and from a veterinary facility
  • Boarding at a veterinary facility
  • Diagnostic tests
  • Medications
  • Post-surgical care

Because policies vary widely from one insurer to another, it’s essential to work with a reliable company such as Ark Agency. You need agents who take the time to explain everything that’s covered under their health insurance for horses policies before making your decision!

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