There is no getting away from the fact that owning a horse comes with considerable expense. The cost of keeping the horse stabled and fed is enough to worry about without the possibility of anything happening to your horse. Any horse owner therefore may wish to protect their investment with horse insurance.

What you get with horse insurance may depend on the level of cover you choose to take. A policy varies but almost all will offer protection against the death or loss of your horse by theft. If you take part in events with your horse or ride regularly then you may also wish to ensure that personal accident insurance is included in the policy in the event that you become disabled or have to stay in hospital due to accident when riding.

Other benefits you may wish to have included in your horse insurance is protection for the saddle and tack. These often cost a great deal of money and insurance may provide protection for lost or damaged equipment. The cost of vet’s fees can also be substantial so you might want to have these included in your policy in the event your horse has an accident or falls ill.