Insurance??

Quarter Horse Rider: Insurance??
How much is horse insurance and if you buy a horse that already has insurance do you still have to get insurance?(As in I want insurance because I know my family won’t be able to pay for surgery if the horse got hurt bad…Well we might but I know insurance will save alot of money)
I’m not buying the horse I am actually getting it for free (I not gonna buy it before I see and try it out.I know it will have nothing wrong with it because I will most likely show it next year)

Answers and Views:

Answer by ♥Arabian Filly♥
Good Question! I need to knwo this too! Sorry IDK!!!
Let me know the answer! (Just add details or edit it when you know and i will look)

Answer by lol_grrl
It all depends on how much you buy the horse for and what type of insurance for example full or mortality… also it varies for each insurance provider and area… you can look in the phone book or online for a local one.

Answer by Tanya M
Hi there, I have 5 horses and each one is insured, If you buy a horse that has insurance already then you will still have to insure it yourself as the previous owner will not keep paying to insure your horse!!
My miniature shetland costs about £6 a month to insure, my falabellas are about £10 a month as they are insured for breeding, Welsh is about £6 a month and my 17.2 dressage horse is about £20 a month. The costs vary depending on what you use your horse for but in the event of colic or a bad injusy that requires surgery it is fully worth it. Most insurance policies have an excess that you would have to pay in the event of a claim, I have to pay the first £200 then they cover the rest, but if you have to pay for surgery this could go into thousands!
I use Petplan equine who I find to be very good as they pay out without a fuss.
I hope this helps you out. But I would definitely recommend getting insurance. Good Luck 🙂