Why You Should Consider Horse Insurance?

Whether this is your first time owning a horse or if you’re a seasoned owner, it’s a good idea to brush up on the types of horse insurance policies available to you from agencies such as ArkAgency.com.

While there are only a few plans available to horse owners, getting the right one can either save you money or ensure that your horse is properly protected. This allows you to protect your investment in an affordable manner against death, theft and other catastrophes.

Limited Mortality

Limited mortality insurance is best for horses with low values, owners who want to spend the least amount possible or if the horse doesn’t qualify for full mortality coverage.

This is considered limited mortality because, even though it covers the horse if it passes, it only covers specific events. The good news is that most of these events are quite common, meaning that you’ll likely have coverage in most instances.

A short list of common catastrophes include earthquakes and floods, death from an aircraft, death from a bridge collapsing and fatality from fire.

You may be able to extend coverage to less common catastrophes, such as accidental shooting, wild animal attacks and drowning. This depends on the insurance company and your exact policy.

Full Mortality

Full mortality is comparable to human life insurance. You will receive payment regardless of the horse passing naturally or from an accident. Since this is comprehensive coverage, you may need to obtain a certificate from a veterinarian showing that the horse is in good health.

If the horse is valued under $50,000, then you may be able to avoid this process. Many insurance companies will also bypass the certificate if the horse is not intended for racing. Age ranges for this type of protection differ from company to company, but typically extend from 90 days to 20 years.


This policy is usually included with full mortality, but some companies many treat it as a separate policy. Theft insurance protects you against instances where the horse is stolen from you. You will usually only receive compensation if the horse is still in its home country, but you may be able to extend coverage to other countries.


Insuring your horse protects your investment against random catastrophes or natural passing, depending on the policy. While insuring a horse that doesn’t race is somewhat easier, it’s fairly simple to get a valuable racing horse insured as well. Just be sure to get the right policy for your needs.