Reasons Why You Should Get Health Insurance For Your Horses
Health insurance for horses is a great way to protect your investment. With the rising costs of medical care, getting proper protection for your horse is a must. It is essential to look into the different types of coverage and choose the one that is right for you.
Primary Medical/Surgical coverage
There are several different types of health insurance for horses to choose from. Some are less expensive than others. The best plan for your horse’s needs depends on the circumstances. Consider the benefits of primary medical/surgical coverage when purchasing health insurance for your horse. It helps to reimburse your veterinary costs for treatments resulting from an illness or injury. The primary medical/surgical range usually covers diagnostic tests and surgeries. While it’s essential to have an insurance policy that protects against unexpected veterinary bills, it’s also important to understand that the limits of your policy will vary. You’ll need to research the company you choose carefully. Surgical-only policies provide less coverage than central medical, but they can save money. Usually, your policy covers the surgeon’s fee, but it will clear the hospital stay, x-rays, or other surgery-related expenses.
Liability coverage
If you have a horse, there is no reason not to protect your investment with health insurance. However, getting the correct type of cover can be challenging. Insurance companies can be confusing, but the right agent can help you find the right coverage for your horse. The best way to get the coverage you need is to shop around. You’ll want to compare prices and deductibles. A higher deductible means you pay less out of pocket. Also, a better deductible can mean lower annual fees. Major Medical and Surgical insurance will help you cover unexpected veterinary bills. They will typically include diagnostics, medications, surgery, and treatment coverage.
In some cases, dental care may not be covered. Surgical policies will help pay for the anesthetic. Some companies require a veterinary exam before the coverage applies. Whether your horse needs an operation, you’ll be glad you have this option. While reviewing your options, consider liability coverage. Many homeowners’ policies limit equine liability coverage, so you should check out your policy to see if a clause will extend your protection.
Pre-existing conditions
If you’ve got a horse, you need to make sure you have some health insurance coverage. There are different kinds of policies, each with its features and limitations. The cost of coverage varies by company, so make sure to compare quotes before making a decision. Major Medical horse insurance covers veterinary expenses such as medications, diagnostic tests, and surgery. It also offers reimbursement after the deductible is met. A co-pay is standard, especially for diagnostic tests and regenerative therapies. Surgical equine insurance is like the central medical policy, except that it only comes into play when the horse needs surgery. This policy typically pays for the price of an anesthetic and the surgeon’s fee. Surgical insurance is usually a better deal than not having insurance. However, it is essential to note that it does not cover hospital stay costs. Pre-existing conditions are not usually covered in most horse health insurance policies. Although some include routine veterinary care, most do not.
Exclusions
Horse health insurance can be a great way to keep your horse healthy. However, there are many exclusions that you need to be aware of. One of the most common exclusions is routine veterinary care. This means that many policies only cover a few of the regular treatments your horse will need. Some policies exclude whirlpool therapy, shockwave therapy, and other treatments. Another common exclusion is dental care. Most equine medical insurance companies will not cover the cost of dental procedures. Some policies offer dental coverage, but not all. Most horse health insurance policies do not cover pre-existing conditions. Whether your horse has a history of colic or another disease, the insurer may not include it in your policy. If you have an account of a particular problem, you need to ask your insurer to remove the exclusion. In some cases, the insurer will impose an exclusion if you do not disclose a condition on your application. In this case, it is essential to check with your insurer annually.
