Why You Need Showjumping and Eventing Insurance

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Why do you need showjumping insurance and eventing insurance? Why not just one of the two? If you are an equestrian and you have seen lots of accidents during the event, especially with horses, you will realize that you need insurance to protect your horse. It may be that your horse is already covered with its own insurance, but you might not have any idea that your horse insurance is short on coverage, especially when your horse gets into an accident during the showjumping event. It is your horse, and you have been partners with it since you started your equestrian adventure. It will be hard for you when an accident comes during the event and you do not have an insurance that will cover up the injuries and hospitalization needed for your horse. Even if you already have the horse insurance, it does not cover the accident that happened during the event. This is the reason why you need the showjumping and eventing insurance.

Showjumping insurance and eventing insurance go together if you are active in both activities. You could either only have the show jumping insurance if you only participate in showjumping activities. The same can be said with eventing insurance, but when you take a look at the policies listed under each of these insurances, you will find out that the contents are almost different from each other.

Take for example with showjumping insurance, in most insurance companies, they offer what is called the loss of use of your horse. It covers your showjumping horse from being permanently and rendered incapable of being able to perform. This is covered only when it is resulted from an injury or illness that happened or just started during the time of the showjumping insurance. Another insurance coverage is protection on the horse against permanently and no longer able to perform in which the result of the injury is due to violent and external ways. This is only applicable when you have already taken this insurance and purchased it for your horse.

As with any eventing insurance company, there are different types of coverage available. It covers mostly when your horse is going to an event and needs to travel. During these travels, the insurance will protect your horse against accidents when you and your horse are on transit. Some insurance policies also cover specialized protection, particularly in Europe. It is designed this way since there are a lot of eventing competitions going on there. You only need to specify your needs to your insurance company and they will arrange it for you.

You should also know that not every insurance company you meet will have the same kind of insurance policies offered nor do they have similar prices on it. When you hunt for insurance coverage for your horse, make sure that you collect at least three first. You can conduct an interview to see which of one of them is the best for your horse. The same also goes when you purchase insurance and another equestrian also has the same policy as yours and yet the prices are different.

FAQ’s About Horse Insurance and Equine Insurance

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The thing about insurance is, during the selling period, it seems pretty simple enough to understand. All you need to know usually is what are the requirements to become eligible, what are the benefits covered, how much is the cost. This applies to all types of insurance, including horse insurance and equine insurance. However, when it comes to the signing of the contract and policy, when we look at the fine print, that is usually the time when every thing becomes a bit confusing and fuzzy, but a lot of people still decide to sign anyway, and their questions don;t get answered. So if you continue reading this article, we will try to answer as many frequently asked questions as we can about thoroughbred insurance companies.

If you are wondering if there is insurance offered for your beloved horse to make sure your investment is well protected, the answer s a big resounding YES! This is usually called Mortality insurance, and this coverage is given should your horse die from an accident, illness or injury. Death due to theft is also being covered in this policy. This is an equivalent to life insurance for humans.

Some breeders also wonder if their horses can also get some sort of health insurance coverage. An equivalent is usually called major medical insurance. But, this is usually an add on for another type of insurance, usually for Mortality insurance, and it cannot be purchased stand alone.

Horse lovers and breeders are usually aware that colic is one of those medical disorders that are common in horses, and for those who have more than one horse they want insured, a lot have been inquiring if their horses are still eligible for insurance even if they already have had colic. The answer to this question varies from one insurance company to another b,ut the generally accepted standard is, your horse may still be eligible for medical insurance if you will be able to provide a satisfactory colic statement or clean veterinary certificate of examination.  However, there will be an exclusion on your policy if your horse has had abdominal surgery.

Another common question that comes into mind is until what age can horses be insured? Again, this varies from company to company, but they generally offer Full Mortality insurance up to age of 20 years, but overage rates will increase the cost to insure once a horse is over 12 or 15, depending on the breed and use of the horse.

Some horse owners want to protect themselves from being sued if ever their goes on rampage and hurts people, or damages property, so they ask if some for of liability insurance is also being offered. The answer is yes, some stallion insurance companys offer equine liability policies, available for both private horse owners and commercial horse owners. This policy offers the owners protection when any one sues them for bodily injury, or damage to property that were cause by a horse that they own.