yes Malin, but is expensive and will only pay for certain things. I had mine insured for a while, would pay either 2000 of a vet bill or 2000 if the horse died. Since the average vet bill for something that requires a week in the vet hospital is around 10,000 thats not really very much. And when you get insurance, a young healthy one will be like 150 a year, a healthy 9 year old like my Jaspar was 300 a month, it goes up the older they get. (these are just approximate amounts I cant remember exactly). and like mine now, I cant get them insured because they were exposed to rabies. They call your vet and ask what illnesses they have been treated for or exposed to in the last year. then when the horse gets sick or dies, they do a dna check against the paperwork to make sure it is the right horse etc.
its complicated. If you only had two horses, maybe affordable, but a herd of 8 equines like me, too expensive to insure all, plus the rabies thing might make my rate go up forever, i havent checked. also, they work out the amount of insurance coverage and cost of payment on value of horse and what was weird, was my iceland could not be insured for more. The charts they have to value horses had icelandics way way cheaper than they actually are... they value horses this way: how much you paid? show bill of sale professionally trained? show proof, bill from trainer etc. healthy? Vet report and they call the vet and talk to him personally, blood must be taken. registered? need registry info for dna on file age? Health history, has it colicked in last year etc. This being said I am thinking of registering my most valuable ones so I could pay for vet. but my most valuable they would insure for the least, jaspar, a horse irreplaceable in terms of him being used in search and rescue, showing, parades, bombproof, deadbroke. They would never insure him for 3500, which is what I would sell him for at a minimum if something horrible happened and I had to sell him... And Nasi, he is very valuable, but he is unbroke, never ridden, never professionally trained, I would be lucky if they would insure him for what I paid for him as a weanling... Janice Janice -- yipie tie yie yo
