When Deborah L. Wilson’s horse, Belle, got sick, she was faced with a $4,000 vet bill. Luckily, she had pet insurance for Belle. But not all pet insurance policies cover horses. If you’re thinking of getting a policy for your horse, make sure to read the fine print.
Does pet insurance cover horses?
While some pet insurance policies may cover horses, others may exclude them. It is important to check with your insurer to see if they cover horses. There are a few things to look for in a policy to determine if it will cover horses.
For example, some policies may have an upper limit on the amount they will pay per horse. Others may only cover certain types of medical care, such as accidents or illnesses, and not preventive care. It’s also important to find out if there is a deductible, and if so, how much it is.
Additionally, some insurers require that you purchase a separate policy for your horse, while others offer riders that can be added to your existing policy. Riders typically add coverage for things like boarding, grooming, and routine care.
If you’re not sure whether your pet insurance policy covers horses, the best thing to do is to contact your insurer and ask.
What to look for in a policy to determine if it will cover horses.
To determine if your pet insurance policy will cover horses, there are a few things you should look for.
First, you should check the policy definition of “pet”. Some policies may have a very broad definition that includes all types of animals, while others may be more restrictive and only include traditional companion animals like dogs and cats. If the definition is unclear, you should contact the insurer to confirm whether or not horses are included.
Second, even if the policy definition of “pet” includes horses, some policies may exclude certain types of animals, such as livestock. So, you’ll want to check the policy exclusions to see if there’s anything that specifically excludes coverage for horses.
Finally, you should also check if the policy has any riders or endorsements that specifically exclude coverage for horses. Riders and endorsements are usually optional and can be added to a policy for an additional cost. But if you have a rider or endorsement that excludes coverage for horses, then your policy will not cover horses regardless of the definition of “pet” or any other exclusions in the policy.
So, does pet insurance cover horses? It can, but it depends on the policy. Be sure to read the fine print to see if your horse is covered.