Best Pet Insurance For Horses (2022)

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According to the 2019 American Veterinary Medical Association Demographics Sourcebook, there are nearly 2 million pet horses in the United States. While less than 1% of U.S. households own horses, 89% of those pet owners consider their hooved pals close companions or family members. 

If you’re one of these equine fanatics, you know horse care isn’t cheap. Therefore, we’ve reigned in some information on pet insurance for horses to help make horse ownership more affordable and less stressful.

With the right plan, you’ll get mane-to-tail health insurance coverage for your precious pet.

In this review, we’ll saddle up and discuss:

  • Types of pet insurance for horses
  • Top horse insurance providers
  • Alternatives to equine insurance

Continue reading to learn more about some of the best pet insurance providers so that you can choose the best one for your needs: 

Our Top Pet Insurance Provider For Horses

ASPCA Pet Assure*
Quote Visit Site Visit Site
Our Score 4.5/5 4.1/5
Deductible $100 to $500 N/A
Average Monthly Cost for Horses $60-$100 $11.95-$21.95
Multi-pet Discount 10% N/A
Wellness Add-on Yes N/A
BBB Rating N/A A+

*Pet Assure is a veterinary discount service, not a pet insurance company. Keep reading to learn how Pet Assure can provide savings on your horse’s veterinary care.

Types of Pet Insurance for Horses: What Type Of Coverage Is Best?

Mortality

Mortality insurance for horses functions like human life insurance. If your horse dies from a covered accident or illness, the insurance company will reimburse you for the full value of your horse or a percentage of its value.

There are two types of mortality insurance you can select.

Full mortality plans provide coverage if your horse dies or is stolen. These policies are basically life insurance for your pet.

Limited mortality plans cover fewer causes of death, typically related to disasters like fires, floods, or lightning.

As we noted, the cost of a mortality policy typically depends on the monetary worth of your animal. You’ll often need to provide your pet’s value to receive a horse insurance quote.

Major Medical

Major medical insurance for your horse is like traditional accident/illness pet insurance coverage. With a Major Medical plan, you’ll pay a monthly premium in exchange for coverage if your horse gets injured or sick. You’ll get reimbursements for diagnostic testing, treatments, and surgeries associated with your horse’s illness or injury.

Premiums for major medical coverage for horses typically start at around $200. Coverage works similarly to dog or cat insurance and will vary depending on your horse’s age, breed, medical history, and location. Horses are used for different tasks such as farming, riding, and jumping, so rates and coverage might also depend on the animal’s job.

Liability

Liability insurance covers you if your horse hurts someone or damages someone else’s property. Some homeowners’ insurance policies cover pet liability, but you should check with your specific provider. You’ll need more extensive liability coverage if you run a business involving horses.

How Much Does Pet Insurance For Horses Cost?

You can pay anywhere from $500-$3,000 per year for horse insurance.

ASPCA provides horse insurance at competitively affordable prices. You can use the provider’s free online quote generator to estimate premiums for your hooved companion.

We generated the sample quotes below for an Appaloosa in Houston.

Type of Coverage

Age

Coverage rates

Monthly Cost

Accident-only coverage

3

$500 annual deductible

$3,000 annual payout limit 

70% reimbursement 

$15

$100 annual deductible

$7,000 annual payout limit 

90% reimbursement 

$33

15

$500 annual deductible

$3,000 annual payout limit 

70% reimbursement 

$15

$100 annual deductible

$7,000 annual payout limit 

90% reimbursement 

$33

Accident/illness coverage

3

$500 annual deductible

$3,000 annual payout limit 

70% reimbursement 

$38

$100 annual deductible

$7,000 annual payout limit 

90% reimbursement 

$90

15

$500 annual deductible

$3,000 annual payout limit 

70% reimbursement 

$95

$100 annual deductible

$7,000 annual payout limit 

90% reimbursement 

$226

Is Horse Insurance Worth It?

According to the University of Tennessee Institute of Agriculture, preventive care for horses costs around $854 per year. You should include deworming, fecal tests, vaccinations, and a Coggins test in your horse’s routine care schedule to keep it healthy.

Keeping your horse up-to-date on wellness care can prevent more serious health problems down the road, but emergencies still happen. For example, emergency colic surgery for your horse can cost $4,000-$10,000. With a solid equine insurance plan, you might have to reach a $500 deductible before you get up to 90% reimbursement for the procedure, bringing your out-of-pocket cost to $1,500.

Based on this example, we think horse insurance is worth it. Yes, your monthly and annual premiums are high, but owning a horse is expensive no matter what. You’ll want coverage, especially if the horse is accident-prone or part of a business endeavor. 

Best Pet Insurance For Horses

ASPCA Pet Insurance

ASPCA pet health insurance provides accident-only coverage and accident/illness coverage for dogs, cats, and horses. ASPCA is one of the only pet insurance agencies that cover horses, making it a major player in the industry. 

We like that ASPCA covers colic in all horse insurance plans. There are several different types of colic, and they all cause severe abdominal pain for your hooved pal. Some types of colic require emergency surgery to repair, so insurance coverage is crucial.

ASPCA offers two horse insurance policies for different coverage and care needs. Horses 16 years old and up are only eligible for Colic + Accident coverage.

Plan

What’s Covered

What’s Not Covered

Colic + Accidents Plan

Colic – Impaction, displacement, spasmodic, enteritis, and more.

 

Accidents – Cuts, hoof abscesses, toxic ingestions, injuries from trailer accidents, and more.

  • Pre-existing conditions
  • Illnesses
  • Cosmetic procedures
  • Breeding costs
  • Arthritis
  • Alternative or behavioral therapies
  • Navicular disease
  • Joint injections
  • Incidents that occur during the 14-day waiting period

Colic + Accidents + Illnesses Plan

Colic – Impaction, displacement, spasmodic, enteritis, and more.

 

Accidents – Cuts, hoof abscesses, toxic ingestions, injuries from trailer accidents, and more.

 

Illnesses – Cushing’s disease, strangles, cancer, EPM, hereditary conditions (wobbler syndrome, HYPP, moon blindness), and more.

  • Pre-existing conditions
  • Cosmetic procedures
  • Navicular disease
  • Arthritis
  • Joint injections
  • Alternative or behavioral therapies
  • Breeding costs
  • Horses over 16 years old
  • Incidents that occur during the 14-day waiting period

ASPCA’s accident/illness plan for horses costs $60-$100 per month. Monthly costs can exceed $200 depending on your horse’s age, breed, and location.

You can mix and match the following rates to customize your price and level of coverage.

Annual deductible – $100, $250, $500.

Annual payout limit – $3,000, $5,000, $7,000.

Reimbursement percentage – 70%, 80%, 90%.

You can opt to pay monthly or annually for your horse’s plan. You’ll have a $2 transaction fee added to each premium if you choose to pay monthly.

ASPCA also offers optional preventive care coverage for horses. The Routine and Platinum packages have per-item limits, so you’ll be reimbursed up to a certain dollar amount for specific services.

Wellness item

Routine Preventive Care

($9.95 per month)

Platinum Preventive Care

($24.95 per month)

Rabies or Tetanus vaccination

$25

$25

WNV or EEE/WEE/VEE vaccination

$25

$25

Wellness exam

$50

$75

Dental floating

$75

$200

Blood test

N/A

$25

Coggins test

N/A

$25

Fecal test

N/A

$25

Herpesvirus or Strangles vaccination

N/A

$25

Total Annual Benefit

$175

$425

Pros:

  • Covers colic in all plans
  • Customizable rates
  • Low deductible options for quicker coverage
  • One of the only pet insurance providers that cover horses
  • Add-on preventive care packages

Cons:

  • Horse insurance is not available in every state
  • $7,000 annual coverage cap
  • Upper age limits

For more information, check out our comprehensive ASPCA pet insurance review

Alternatives for Horse Insurance

Pet Assure For Horses

If you’re unsure about purchasing a pet insurance plan for your horse, there are alternatives. We recommend Pet Assure for discounts on all of your horse’s vet visits. 

Before buying a plan, note that Pet Assure is only available at veterinary clinics within its network. To find a participating clinic near you, you can access the network search tool on the company’s website.

Pet Assure is a veterinary discount plan – not pet insurance – so you’ll never have to reach a deductible or file a claim. Instead, you’ll pay a fixed rate in exchange for discounts on your animal’s in-house veterinary services. 

Once you sign up, Pet Assure will send you a discount card. Simply present the card at checkout for 25% off your vet bill. 

We like that the company covers conditions that occurred before your policy started. No pet insurance agency covers pre-existing conditions, so this is a major plus. Pet Assure also includes wellness care as a discountable item so that you can save big on your horse’s routine maintenance.

Pet Assure offers three plan options for horses:

  • The Single Dog Plan covers one dog or large animal, such as a horse, llama, or pig. This plan costs $11.95 per month or a one-time payment of $99 if you opt to pay annually.
  • The Family Plan covers two to four animals of any size. You’ll pay $16.95 per month or $149 annually. 
  • The Unlimited Plan covers an unlimited number of pets of any species or size. This plan costs $21.95 per month or $199 annually. 

Remember that $4,000-$10,000 emergency colic surgery we talked about earlier? Let’s see how Pet Assure would help you save on such a procedure.

Let’s say your horse goes in for surgery, and the bill comes out at $7,000. You tack on $100 more for a physical examination and a couple of vaccines

You present your Pet Assure discount card at checkout for 25% in automatic savings, bringing your bill down to $5,325.

Pet Assure is an excellent alternative to pet insurance if you’re the type of horse owner who just wants some savings without having to muddle through policy exclusions, coverage limitations, and reimbursement rates.

If you need mortality coverage or liability insurance for your horse, you can combine a Pet Assure membership with a traditional pet insurance plan. This way, you’ll get coverage in the event of an emergency and savings on routine veterinary care.

Pros:

  • No annual limits, deductibles, or waiting periods
  • Available to farm animals, birds, and exotic pets
  • No upper age limits
  • Pre-existing conditions covered
  • Affordable monthly rates

Cons:

  • Must purchase through your employer’s benefits program
  • Only available at participating veterinary clinics
  • Discount only available at checkout

Read our Pet Assure review to find out more.

Final Thoughts

Pet insurance for horses isn’t as readily available as pet insurance for dogs or cats, but it’s still out there. Luckily, top providers like ASPCA and Pet Assure offer plans to help you save on expensive equine care.

We suggest choosing an insurance plan with mortality, medical, or liability coverage depending on your horse’s needs. Horses used for show, sporting, or farming will have different coverage requirements, so be sure to read the fine print before purchasing a policy.

No matter what kind of plan you choose, you’ll be providing your horse with whinny-worthy coverage. Your horse will be healthy, and you’ll have peace of mind knowing you can cover its hefty medical costs.

Our Methodology

Here at 365 Pet Insurance, our research team looks to examine all pet insurance policies and comes up with reviews based on:

  • Coverage
  • Plan options
  • Cost 
  • Reputation
  • Customer service 
  • Species available
  • Wellness benefits 

We’ve created a 5-star rating system to score pet insurance brands based on a 100-point scale. To develop a list of the best pet insurance plans, we looked into plans, rating coverage, claims handling, reimbursements, deductibles, and limitations. 

Each factor is weighted differently based on the following factors:

  • Monthly Pricing (25 points): How each pet insurance company charges for their plans is a crucial part of the decision-making process of the customer. Affordable rates and comprehensive coverage are the defining characteristics of providing the best pet insurance.
  • Coverage (20 points): We scored companies based on the treatments and procedures they cover. Providers offering broader coverage and more unique treatments received more points.  Pet insurance policies are not offered by all companies for older pets. Providers who have an age limit on the pets they cover were deducted points.
  • Plans (15 points): Pet insurance providers offer accident-and-illness plans, accident-only plans, wellness add-ons, and pet preventive care add-ons, so customers can choose the right plan for their pets. We also factored in costs to achieve the most comprehensible review for your pet’s needs.
  • Customization Options (10 points): You can ensure your pet only gets what they need by customizing your policy. A higher score was earned by providers who offered a greater range of annual limits, deductibles, and reimbursement rates.
  • Customer Service (10 points): We scored companies based on their website accessibility and usability, mobile apps, and grating points to companies with the most customer experience options.
  • Industry Reputation (10 points): We assessed each company’s industry reputation by reviewing up-to-date BBB ratings and accreditation information, as well as their years of experience in the industry.
  • Waiting Periods (10 points): Companies with shorter accident and illness waiting periods scored higher than companies with longer waiting periods.

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.