Horse medical insurance doesn’t work like medical insurance for humans. It is specifically designed to cover sudden or unexpected injuries, illnesses, and diseases rather than robust preventative care and chronic condition treatment. While specific exclusions vary from one policy to another, let’s explore what you can typically expect from this subset of farm and ranch insurance.

Veterinary Expenses

Horse medical insurance is meant to pay for reasonable veterinary expenses that occur due to an injury, illness, or disease. Of course, every plan is different. Some things that may or may not be covered include:

• Maintenance Procedure
• House Call and Travel Fees
• Horse Transportation Costs
• Pre-Existing Conditions and Congenital Defects
• Elective Procedures (e.g., Castration)
  Alternative Therapies
• Dental Procedures
• Horse Over 15 Years
• Horse Under 30 Days
• Joint Treatments and Injections
• Necropsies

Exclusions After Renewal

Horse medical insurance will often exclude specific care once the need for it is on the record. For example, if your horse has a colic episode, you might find that colic is excluded after you renew your policy. Likewise, if your horse has an injury that has not healed or an arthritis diagnosis, your new policy may exclude treatment for that area in the future. Talk to an equine insurance agent to learn what you can expect from your specific policy.