There is nothing like the thrill of owing your own horse and galloping across fields. However horse ownership has the downside of considerable cost and expense. This expense may be a great deal more if your horse were to become sick or suffer an accident and needed treatment. If you love horse riding then you may want the peace of mind that horse insurance can bring.

Horse insurance varies in cost depending on the level of insurance needed and the benefits you want. At the very least you may wish to take out insurance that covers the death of your horse or theft. Insurance is available on all types of horse and their owners, from polo to hacking and just riding for the fun of it.

So what is typically covered in horse insurance? You may include the cost of vet’s fees (up to a set limit) until your horse reaches a certain age. This may include the cost of treatment and tests along with medication. Personal accident cover may be included; this typically covers the cost of you being injured in an accident. Liability insurance may also be included, so always check out the summary before rushing into a policy, to ensure you have the protection needed.