Horse insurance not the usual questions

[My_chestnut_mare]

Horse insurance who does and dont insure their horse

?

A Year ago i had a horse that i didn't insure as he was just a youngster and i didn't see the point in insuring,but then he kept braking out the field and it wasn't till i thought if he hurts someone or a car runs in to him not only would i have had lost money on him but most important i would not have has any 3rd party cover to compensate the driver of the car Or if i was sued.

Now ALL my horses are insured my show jumper hari,My happy hacker jae and my 2 babies(Yearling Shetland ponies).

So insuring a horse is not only for vet bills loss of use etc etc but also if the horse escapes and causes damage to property,hurts someone or causes a real bad accident.

Silly post i know but i was silly and i know it not insuring my horse.

I think it is very important to insure.

so who insures and who doesn't????

 

[china]

i insure, id be to scared not to, and i have a self harming tb

 

[MaverickandLou]

I insure mine, again would be worried not to. Have never claimed or anything though just puts my mind at ease knowing its there should I ever need it!

Insure the dogs too and glad we did as we have claimed alomost 3k in the first year for cruciate ligament. So think its well worth insuring

 

[Toast]

Mine are insured. Purely for my peace of mind!! My youngster seems to injure himself for fun haha! And with him being young i cant take any chances incase he injures someone else.
x

 

[FanyDuChamp]

My two are insured, Cappy has a tendancy towards colic, so vets' bills could be horrendous. I haven't claimed yet but you never know,mainly it is for peace of mind. I think the personal liability is extremely important as well.

However, for me, the choice of insurer is also important, some are cheap but don't pay out, I googled mine and found some very interesting info about some other companies.

 

[indi4]

I think 3rd party liability is a must for all horse owners. I also have mine insured for vet fees as it's scary how quickly the bills can add up, and last year it was a god send to have as i had to make 3 separate claims that totaled 12k, and there's no way i could have afforded the treament without my insurance.