Insurance Helps You Protect Your Horse’s Health

Animals, including horses, are as vulnerable to illness and injury as the average person. Those risks are even greater where a show horse or racehorse is concerned, because they live much more active lifestyles. Unfortunately, medical care is also similar to human medical care in that it can become very expensive. Of course, it depends on the specific condition, but even a seemingly minor problem can be costly to treat.

The best way to make sure you’re prepared for your horse’s health problems is by investing in horse medical insurance. Sooner or later, some ailment will affect your horse. that’s just a fact of life. While that may affect you emotionally, maintaining insurance will help you be more confident that you’ll be financially prepared to deal with the situation.

Health insurances for horses functions in much the same way that human health insurance operates. There are deductibles you will have to meet and coverage will only be paid out up to your pre-established limits. You can set those limits yourself, but remember that higher limits mean higher monthly premiums. In the end, it may be worth it to obtain higher coverage limits, because it will ensure your horse can get the best possible treatment.

Many policies require separate endorsements for surgical procedures. This type of endorsement will cover surgeries up to $10,000 in some cases, though this will also depend on the coverage you obtain. This type of additional coverage may be especially worthwhile for horses that compete or race. In many cases, injuries cannot be correctly healed without surgery.

As your horse ages, he or she will become more prone to illness, injury, and degenerative diseases. By obtaining insurance now, you can rest easy knowing that your horse’s healthcare costs will be covered. You may still have to establish savings to supplement the insurance, but coverage will go a long way towards helping with these expenses. Insurance gives you the peace of mind of knowing that you’ll be able to care for your horse in his or her time of need just as you would care for any other member of your family.

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