Insuring Our Biggest Pets; Horses | Pet Owner Blog

13 Sep 2011

Category: Insurance Tags: horses, pet owner

Do you love a horse? The term ?pet horse? can sound a bit odd, or conjure up images of miniature horses, not the full-sized horse or pony who works so hard for you. But your equine companion can be just as much a part of your family as a cat or dog, making you a pet owner. At the same time, part of the value of your pet horse is the work that he or she does for you, and you can get that part of your horse?s value insured just as you would insure your car or house.

Basic equine insurance is for your protection; if your horse dies or is lost, you can get part of your investment in the animal back. Additional services cover veterinary bills, and can reimburse you if your horse is injured to the point of being unable to work for you anymore. It can sound callous to talk about your pet horse as something you want money for if it can?t work anymore, but really this protects both your horse and your investment. I am very much impressed by the terms of equine insurance UK. I wish all insurance companies suggested such favorable terms.

Insuring your horse against permanent loss of use could mean the difference between being able to care for your pet horse in its retirement and being forced to sell or even kill a horse who can no longer do its job. Even the basic plans, which reimburse pet owners after their horses die, don?t treat your horse like some kind of four-legged car; although under most circumstances you would need your the permission of your horse insurance specialist or the insurance company to euthanize a horse, veterinarians do not need to wait for permission to end the suffering of an animal in pain.

There are limitations to the insurance benefits offered for horses. Veterinary bills for horses over twenty years old may not be covered, for example. But pet owners who care for several horses and get reimbursed for the vet bills of younger animals will be better able to pay the bills of older animals. Like any other pet owner, you owe it to your animals to give them the best care you can.

Horses are our partners in our hobbies, sports, and even businesses. They are pets, companions, friends, and major financial investments. We owe it to ourselves to protect that investment, and as pet owners we owe it to our horses to protect them.

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