Equine Mortality Insurance
Its estimated that in the UK the horse population is almost one million. Due to the greater value of horse compared to cats, dogs or other common pets and the fact that vet fees are higher too has made the UK equine insurance market is very competitive. Most horse owners will have some form of horse medical cover as a way to cover the high horse treatment fees.
You have made an investment in your horse - emotionally and monetarily. Equine mortality insurance or horse mortality insurance can help with the monetary investment in case your horse dies due to an accident, sickness or disease. Equine mortality insurance is very similar to human life insurance in many ways.
Some Equine mortality policies cover horse theft, others don’t so you will have to check that the policy you get has that, if you need it.
Nearly all equine mortality insurance policies will require that you have a vet check the horse out before they issue the policy. Also if the horse becomes seriously ill you will have to notify the insurance company.
Lifetime Equine Insurance: This is basically an umbrella insurance package which includes equine mortality insurance. Buying lifetime insurance will frequently work out cheaper than buying each of the necessary covers separately. Such a policy takes away much of the pressure with regard to vet fees and while there is a maximum funding amount per year, it will begin again when the policy is renewed, even for existing ailments. Lifetime also mean the full term with no small print excluding horses after a certain age.
Lost Horse / Horse Theft
Horse theft and the number of lost horses are very substantial and while many are returned unharmed and fairly quickly it can be hard work find and retrieving them. Many of the better equine insurance policies will offer assistance towards the cost of advertising for the return of a lost horse as well as a reward for their safe return. Therefore it is essential that you check out what horse cover you have with your policy.
Horse Accident Cover
Horses are finely tuned animals which are susceptible to strains as well as serious injury. Even the cost of a small strain can prove to be expensive, when taking into account veterinary call out, transport, medicines and time. This has attracted many to the competitive horse insurance UK market. While the increased cost of care is reflected in the premium levels, this is a market where a comparison of horse insurance policies on offer can yield rewards.
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