Horse Insurance

Equine insurance differs from standard pet insurance in several important ways. Firstly, there's the small matter of public liability: by law, the horse owner is liable for any damage, injury or accidents involving the horse, regardless of whether there was any negligence involved. The costs involved could be huge, and so insurance for this is vital.

Also, horse riding is considerably more dangerous than stroking a cat, for example, and so it's a good idea to have cover for the rider, to cover medical expenses or loss of earnings resulting from a fall while riding.

Loss of Use

Horses are often kept for specific reasons rather than purely as pets, for example for show jumping, racing, polo, and other equestrian pursuits. Should your horse be rendered unable to perform these tasks, your policy should pay out to compensate you.

Equipment

The costs of keeping a horse are higher than for household pets, and this will be reflected in the size of the premiums, but the policy should also cover expensive items such as saddlery and tack, along with vehicles such as trailers or horse-drawn carriages if necessary.

Medical Costs

Of course, any decent policy will also cover the standard costs of healthcare and vetinery treatment, just as with any other form of animal insurance.

Where to Get It

Various kinds of policy exist to cover all kinds of riders and owners, with rider-only cover available for the hobby rider, or full horse / rider / public liability policies available for owners and riding clubs.