Protecting Equine Investments with Horse Medical Insurance

horse medical insurance

Horses each have unique bloodlines, talents, training and potential. It does not take long to mount serious investment in the costs to bring a horse to its full potential. The potential loss of the horse and investment is why many owners buy life insurance for loss by death. However, most horse owners who buy life insurance on their horses also buy a surgical or major medical insurance endorsement. When a horse develops health or soundness issues, vet bills and surgical procedure costs can mount quickly, and surgical or major medical insurance can help pay for some of the expenses to treat a horse, giving it that chance to become well and sound. Ark Agency is happy to explain the differences in how these important coverages work, and to assist horse owners with choosing a limit and premium to suit their needs and budget.

Endorsement Options

A surgical endorsement protects against loss from covered and required equine surgical procedures. The Insurer generally agrees to pay veterinary surgical expenses within the policy limits and conditions for surgery that may save a horse’s life. A payment limit is set by the policy, usually between $5,000 and $10,000. Some exclusions will apply.

Another optional extra that can be tacked onto a full mortality policy is a major medical endorsement. The Major Medical Endorsement generally pays for veterinarian services to treat injuries sustained from accidents, illness, and disease. This coverage too has a set limit; usually between $5,000 and $10,000. Some exclusions and a deductible will apply.

If you want to learn more about our high quality livestock and horse insurance, give us a call today at (320)243-7250 or (800)328-8894.

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Ark Agency Animal Insurance Services shared University of Minnesota Equine Extension Program's photo. ... See MoreSee Less

Friday Funny! Hats off to a great weekend.

3 days ago  ·  

We highly recommend teaching regular safety training at your stable. One emergency people don't think enough about is how they would free a horse that got a tied lead, cross tie or other type of rope wrapped about the horse's neck, head or halter. There are other situations like this that can happen to other parts of a horse's body - with horses anything can happen and it is good to be prepared --- kinda like knowing where your fire extinguisher is, if it is functional and how to use it.

With a rope emergency, using a knife with a point in an emergency near the neck or head of a panicking horse is not the best idea, and we've found that neither smooth nor serrated blades work fast enough. We just ordered the product attached to this post. Have a look at the video. Let us know if you have used one. We plan to test it on different thicknesses, plies, and types of webbing, rope and leather as in the video and will report on this again soon.
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2 weeks ago  ·