If you’re concerned about facing potential financial problems in the event your horse suffers from health problems, you may want to look into getting horse insurance. The right liability coverage can help you avoid legal and financial issues in a number of scenarios and could provide you with essential peace of mind. Here’s why this type of coverage could be the right choice.
It Could Be Helpful If You Frequently Travel With Your Horse
If you regularly need to travel with your horse to different shows or competitions, there could be a greater risk of your horse getting sick, sustaining an injury or simply getting burned out. In these cases, having Equine Liability Insurance could prove a helpful safety net. Try looking for a policy that addresses your specific needs based on the extent of your usual travel.
You May Want Extensive Coverage for Injuries and Illnesses
One of the top reasons to get general horse insurance is having protections in place in the event your horse gets a sports injury. You can think of this coverage as essentially providing healthcare insurance for your horse. For instance, it’s common for general policies to include:
- Coverage for common veterinarian services
- Reimbursement in case of loss-of-use, or when your horse can no longer perform
- Coverage for some or all medication costs
- Coverage for some or all surgery costs and other healthcare-related expenses
It Could Provide Reimbursement Should Your Horse Pass Away
Finally, if you’re concerned about financial issues in case your horse passes away, it’s important to know that some horse insurance policies include coverage akin to life insurance payouts. You can work to keep your horse healthy every day and still have this insurance in place just in case.
In many scenarios, having the right horse liability insurance coverage in place could prove to be a lifesaver. If you travel frequently with your horse, are concerned about potential health issues or want extra life insurance protections, getting insurance coverage could be right for you.