Every horse owner should be aware of basic equine health insurance coverage. Then, they can make informed choices about what type and amount of coverage suits their specific needs.
Mortality and veterinary insurance are among the most common equine insurance policies. But like human life insurance, every procedure is not the same and varies from company to company.
There are many options available to protect your horse. These include full mortality coverage, primary medical/surgical coverage, and catastrophic accident/illness insurance.
Total mortality is a basic policy, but it covers the death of your horse from any cause. It includes injuries, illnesses, disease, and poison.
It also can cover the cost of transportation to a veterinarian, the removal of the body, and other costs associated with your horse’s death. Rates are based on your horse’s age, use, and value.
Major medical/surgical is a more comprehensive policy covering veterinary diagnostics, medical treatment, and surgery. Deductibles are reasonable, and benefits are generous. Surgical coverage can help to pay for lifesaving surgeries that are unaffordable.
Regarding health insurance for horses, you have various options to select from. Some of them include major medical, which provides for veterinary costs like diagnostic tests and surgery and a percentage of your medicine and visits to the vet.
It is an excellent option to have in place if you have an expensive equine procedure, such as colic surgery or a lameness repair. These policies have reasonable deductibles, and benefits are generous.
A significant benefit is … Read More