Tips for Choosing the Right Equine and Livestock Insurance

When purchasing equine insurance, there are several things to consider in order to get the best protection at a reasonable cost. Here are some suggestions to bear in mind when selecting equine insurance, whether you’re covering a single horse or a whole herd.

Buying Equine And Livestock Insurance

The best way to protect your horse is to purchase equine and livestock insurance. Horse owners who do not have their livestock insurance coverage may have a difficult time deciding on the best policy. It is best to buy a policy for horses specific to their needs. Regular pet insurance policies do not cover horses, while livestock insurance is specifically designed for them. Purchasing equine and livestock insurance is excellent if you have a horse for several purposes. From racing to family pets, horses are valuable pieces of property. Equine and livestock insurance is an important investment for owners and is recommended for every horse owner. The insurance premiums for horses can vary depending on where you live, so it is essential to ask your insurance agent which coverages are best suited for you.

Levels Of Coverage

The levels of coverage on horse and livestock insurance vary from company to company. Some policies only cover the death of a single animal, while others offer varying amounts of coverage for different animals. Horse insurance is vital for ensuring your livestock is protected in case of a covered loss or damage. Your agent can help you determine how much coverage you need to protect your assets. 

The most common form of livestock insurance covers the entire herd. In this case, the amount of coverage is the full value of the herd. However, if you own individual animals, you will want to determine how much each one is worth. While it’s essential to determine the value of each animal, it’s also important to consider the cost of seasonal changes in the price of the animals you have. 


When you compare horse and livestock insurance quotes, you should pay attention to the cost of the deductibles and other out-of-pocket expenses. For example, a $5,000 mortality insurance policy can cost as little as $150 per year, while surgical coverage rates can range from $200 to $500. Mortality premiums are based on the age and use of the horse. Annual rates may vary from three to seven percent of the insured value. If you own more than one horse, you’ll likely need more than one insurance policy.

Mortality coverage reimburses the total mortality value in the event of theft or death of the animal. This coverage also includes ground transportation within policy limits. Mortality coverage for a new purchase can be increased after six months and a proven track record. In the US and Canada, the typical mortality value is $5,000. In Europe and Canada, the policy may include coverage for Emergency Colic Surgery. The policy limits vary depending on the country.

Five-Stage Vetting Process

Before purchasing a horse, it is essential to complete a thorough vetting process. During the five-stage vetting process, the horse will be assessed for soundness and ability to perform various tasks. The veterinary examination will include physical measurements, blood tests, and diagnostic procedures. Some of these tests may consist of radiography of specific joints. These radiographs should be sent to the insurance company to review. In addition, a thorough examination of the horse’s condition may include flexion tests and an ultrasound of the lower limb tissues. In some cases, X-rays will be required for performance horses.

A qualified veterinarian will perform the veterinary exam. The vet will fill out the necessary paperwork and look for signs of abnormality. The vet’s professional opinion is essential, as veterinarians can only see what is present on the day of vetting and cannot predict the future. If you suspect a problem with your horse, you must consult your insurance provider before purchasing the horse. If the insurance provider finds the condition potentially dangerous, they may refuse to cover the horse.

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