Therefore, the insurance company can exclude a disorder that occurs this year as a pre-existing condition. However, pre-existing exclusions do not always follow the horse through its lifetime. For example, if a horse colics, there would likely be an exclusion for colic for six to twelve months during the next renewal period, depending on the severity of the episode, says Kirby. At the end of that period, the horse's health could be reviewed again to see if the exclusion could be deleted. And, as mentioned previously, degenerative conditions such as arthritis and navicular are automatically excluded.
Surgical coverage is available in different limits for varying amounts.
Mortality premiums are based on the age, use, and value of the horse, so the rate will differ somewhat among individual horses. Shop Carefully When considering the purchase of equine mortality and health insurance, it pays to go to an equine specialist. A bigger concern is the agent that the coverage is placed with. I'd encourage a horse owner to place coverage with an agency that specializes in livestock mortality as opposed to your homeowner's agent. There is product knowledge involved that is so specific and so deep that someone who is not actually in the equine field is not going to have the product knowledge.