Although we often say we “love” our cars, boats or homes, the emotional reasons for insuring them are slight compared to the deep loss we would feel should we lose a horse. Because our hearts become involved, we may spend large amounts of money trying to save a horse that may ultimately need to be euthanized. Mortality Insurance helps recover some of those financial costs, allowing us to concentrate on healing our emotional loss. It covers death by any cause, anywhere.
While most high-end horses are insured due to the large investment associated with their purchase & care, it is smart to insure horses for other reasons as well. Parents of young, first-time horse owners find Mortality Insurance especially practical should this loss occur. In addition to parents and the owners of high-end horses, we recommend Mortality Insurance for horse owners who lease their horses for others to ride.
Besides covering loss by death, Mortality Insurance covers theft and emergency colic surgery. Colic is the leading cause for the humane destruction of horses by veterinarians. When surgery is recommended, it must be done immediately to save the horse’s life. The surgery can be expensive, leading to a difficult decision for the owner. Having Mortality Insurance in place makes that decision easier and may prevent unnecessary death.
You can find Mortality Insurance and determine the amount of coverage you’ll need for your horse by simply speaking with a qualified agent. Some of the things a good agent will consider are the purchase price, discipline, age, breed and training. There are several insurance companies who provide Mortality Insurance. When you call an Oak Springs agent, we can help you find the best Mortality Insurance and rates for your horse. Contact our Oregon office for referral to an agent near you: 503-363-1975
Written by Janet Spingath, Agent for Oak Springs Insurance Group, LLC