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Understanding Your Equine Insurance Policy

Whether you own an elite show mount or a favourite trail horse, equines are a valuable part of our lives. Although no horse owner wants to think about their horse being injured or having to be euthanized, it is important to consider purchasing equine insurance to cover the market value of your horse. There are a wide range of equine insurance companies available to horse owners, each having their own unique policies and procedures. As a horse owner, it is important that you are familiar with your equine insurance policy and make sure you understand what is expected of both yourself and the insurance company, as this knowledge may become crucial during a claim. Agreed or Actual Cash Value? Is your horse insured for “agreed value” or “actual cash value” (fair market value)? With agreed value, if your horse is insured for $10,000 and it dies, the insurance company will…

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