Can You Insure a 15 Year Old Horse?

It’s crucial for horse owners to think about insuring their animals. A possible concern, though, is whether a horse that is 15 years old can be insured. Yes, you may insure a horse that is 15 years old. In fact, it is advised that all horses, especially those that are competing or taking part in events, be insured.

There are various insurance policy kinds to think about while insuring a horse. For horse owners, riders, and handlers, the British Horse Society (BHS) insurance provides personal accident, public liability, and legal expense coverage. Additionally covered by this policy are veterinarian costs for unintentional injury or illness to the horse, as well as coverage for tack and equipment.

Third-party horse insurance is an alternative to BHS insurance. This sort of insurance protects the horse owner from any legal liabilities they might encounter if their animal results in property damage or human injury. The expense of any harm or injury to the horse itself is not covered by third-party insurance, it is crucial to understand.

You can insure both if you own a horse-and-buggy. However, distinct policies could be necessary for each. The horse and carriage as well as any harm or damage to a third party are both covered by the horse and buggy insurance. It’s crucial to make sure that any coverage you select protects both the horse and carriage as well as any harm or destruction brought on by them.

It is crucial for those who own a livery yard to have specific insurance to safeguard the horses and the company. A livery yard’s legal liability is covered by insurance in the event that a horse is hurt or becomes ill while on the property. In addition, it covers any harm done to equipment or property as well as any associated legal costs.

Finally, it should be noted that it is both possible and advised to insure a 15-year-old horse. There are many plans available, such as BHS and third-party insurance, horse and buggy and livery yard insurance, among others. To make sure you are sufficiently insured, it is crucial to carefully examine which coverage meets your needs and to carefully read the terms and conditions.