Your Guide to Equine Health Care

Understanding Equine Insurance Policies

Experts share frequently asked questions about the types and stipulations of equine insurance.

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Understanding Equine Insurance Policies
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

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Written by:

Heather Smith Thomas ranches with her husband near Salmon, Idaho, raising cattle and a few horses. She has a B.A. in English and history from University of Puget Sound (1966). She has raised and trained horses for 50 years, and has been writing freelance articles and books nearly that long, publishing 20 books and more than 9,000 articles for horse and livestock publications. Some of her books include Understanding Equine Hoof Care, The Horse Conformation Handbook, Care and Management of Horses, Storey’s Guide to Raising Horses and Storey’s Guide to Training Horses. Besides having her own blog,, she writes a biweekly blog at that comes out on Tuesdays.

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