Insurance for horses - why it is indispensable!

Surgical insurance for horses: Why it makes sense

Horses are not only loyal companions and noble sports partners, but also valuable animals that require careful care and protection. As a horse owner, you have a great responsibility that goes beyond daily care and training. An important aspect of this responsibility is taking out suitable insurance. In this article, we explain why liability insurance is essential and why it makes sense to think about surgical or health insurance.

Liability insurance: A must for every horse owner

Liability insurance for horses is essential. Horses are flight animals and can panic, which can lead to unforeseeable and potentially expensive damage. Whether it is property damage, personal injury or financial loss, liability insurance covers the financial consequences of such incidents.

Examples of damage cases:

1. Accident in the paddock : Your horse breaks through the fence and causes a traffic accident.
2. Injuries caused by shying : Your horse gets frightened and kicks a passerby, causing injury.
3. Damage to property : Your horse damages someone else's property, such as by trampling on a garden or nibbling on trees.

In such cases, liability insurance covers the costs and protects you from high financial burdens. Without this insurance, you may have to cover the costs out of your own pocket, which in the worst case scenario could threaten your existence.

Surgical insurance: protection against high surgical costs

Surgical insurance is especially useful because horse surgeries can be very expensive. Horses are prone to various injuries and illnesses that require surgical intervention. The cost of such surgeries can quickly run into the thousands.

Advantages of surgical insurance:

• Coverage : The insurance covers the costs of necessary operations, including anesthesia and follow-up care.
• Financial security : You don't have to worry about high veterinary costs and can ensure that your horse receives the best medical care.
• Flexibility : Some insurers offer flexible rates tailored to your horse's individual needs and risks.

Health insurance: all-round protection for your horse’s health

Health insurance offers more comprehensive protection than pure surgical insurance. It covers not only the costs of operations, but also diagnoses, treatments, medications and rehabilitation measures.

Advantages of health insurance:

• Comprehensive coverage : The insurance covers a wide range of health problems, from infections and injuries to chronic diseases.
• Regular preventive care : Many insurance companies also cover the costs of preventive examinations and vaccinations, which contributes to the long-term health of your horse.
• Security in the event of unexpected illnesses : Unexpected illnesses can quickly become expensive. With health insurance, you are also prepared for such cases.

Please contact our partner - BMB OHG: The expert for horses

As a horse owner, you should carefully examine the various insurance options and select the right insurance package for your needs and those of your horse. This way, you can concentrate fully on what is important: the relationship and well-being of your beloved four-legged friend. You can find professional advice on this topic from our partner !