Insurance can help save you the expense and heartache of paying for a horse's sudden injury or illness. | Photo: Anne M. Eberhardt/The Horse

Frequently asked questions about the types and stipulations of equine insurance

What would you do if your riding horse colicked, seriously injured himself, or, worse, had to be euthanized? You’d not only be devastated emotionally but also saddled with a stack of veterinary bills. Talk about adding insult to injury.

This is where equine insurance policies come in to help cover these costs. But when choosing a plan for your horse, where do you start?

Types of insurance available to horse owners include mortality (similar to a life insurance policy), major medical, loss of use, and liability (to protect you legally if your horse hurts someone). Some liability policies also protect you from a lawsuit if someone gets hurt on your