Top Rated Horse Insurance
Horse insurance.
Made for horses.
Loved by humans.
Adaptable, reliable horse insurance for all horse owners.
Put simply, we make horse care affordable.
Automatic renewals, no need to reapply
Most claims reimbursed within 48 hours
Use any licensed vet in the U.S.
Why horse insurance?
Owning a horse is rewarding, but the unexpected—like colic or accidents—can be costly. We’re here to protect you from those financial burdens, so you can focus on what you do best: loving and caring for your horse. Insuring early means fewer worries about exclusions and better coverage for your horse’s needs. Let us handle the bills, so you can keep being your horse's hero.
What does our horse insurance cover?
Horse insurance ensures your horse will be covered in the event of an accident, emergency, or surprise illness. With Stable Cover you can get care at any licensed vet.
*Your horse insurance policy may cover:
Get to the root of the problem fast with your favorite trusted vet.
Lab work, x-rays, MRIs, blood work and any other tests your horse needs - without additional co-pay!
Medications, gastric ulcers, regenerative or even shock wave therapy, so long as a vet prescribes it.
Get covered for your horses tummy or intestinal issues.
Rest assured, we protect in the event of theft or other unlawful removal.
Covering issues like Wobbler Syndrome and EPM, helping manage the costs of diagnostics, treatment, and ongoing care.
We've got your horse covered from muscle strains to tendon tweaks.
Surgical coverage helps cover the costs of operations and aftercare, ensuring your horse gets the treatment they need without financial stress.
If your horse contracts a disease we are here to assist.
Why Stable Cover
horse insurance?
Stable Cover offers horse insurance for accidents and illnesses at competitive prices with no hidden fees. Stable Cover may also cover certain items—like accident and illness exams and treatments for dental disease—that some of our competitors don’t.
No networks, no restrictions, you are free to choose any licensed vet in the US
Unlike others, the majority of our packages include $0 Deductible & 0% Co-pay. Meaning we pay 100% of the bill!
Direct deposit reimbursements straight to your bank account
No more filling out paperwork every year. Our policies automatically and seamlessly automatically renew.
Lightning-Fast Horse Insurance Claims
Just snap a photo of the vet bill, send it to us online, and we’ll get to work. Most claims are processed in just 2 working days. No hassle, no waiting around. We’re here to support you, so you can get back to doing what you do best: caring for your horse.
Make sure you have your finalized invoice (aka your vet bill) and your horse's medical records before submitting a claim. Let us know what happened by following the instructions on the claim form.
Setting up direct deposit as your preferred payment method is the quickest way to get reimbursed. You can get paid back 5-10 days faster than a check in the mail.
Once your claim is approved, you’ll be paid back up to 100% of your unexpected vet bill in as little as 3-5 days via direct deposit.
Understanding essential statistics can empower horse owners to make educated decisions about equine insurance. With surgeries like colic treatment costing up to $10,000, and less than 10% of U.S. horses insured, the gap in protection is clear. Educating yourself on the financial risks and available insurance options is crucial for safeguarding your horse's health and your financial well-being. Let's explore some key figures to illustrate the importance of insurance in the equine world.
On average, 90% of equine insurance claims are successfully processed and paid out, highlighting the reliability of equine insurance in times of need.
Annually, horse owners without insurance face out-of-pocket expenses that can exceed $30 million collectively for major medical treatments alone, illustrating the high cost of being uninsured.
Insured horses receiving regular veterinary care reduce the likelihood of severe medical emergencies by up to 60%, demonstrating the value of insurance in promoting horse health and reducing overall costs.
"Quick And Easy Process"
An accident forced me to submit my first claim only three months after buying horse insurance. Stable Cover covered the agreed part according to the terms and conditions of my policy. I did just the basics: I submitted a claim, and it has already been solved. I am so glad I decided to get this product for my horse.
Sarah - Dallas
Horse Insurance FAQs
All the questions you’ve ever wanted to ask about horse insurance.
When you take out a horse insurance policy, you’ll pay an annual or monthly premium to a horse insurance provider that’s bespoke to you and your horse. If they have an accident or get sick, you can claim on your policy to cover the costs of any veterinary bills.
That means whatever vet fee limit you pick, it’ll refresh each year when you renew your policy. You can claim up to the full medical limit every year and we’ll continue to provide coverage for conditions your horse may develop during their policy. A horse insurance policy will also usually cover some costs if your horse is stolen or passes away.
Getting a pet insurance quote is easy. All you need to tell us is:
Your details and address
Your horse's age
Your horse's breed
Your horse's gender
Your horse's name
The price you paid for your horse
Self-insurance is when people put money aside to cover potential vet costs rather than paying for an insurance policy.
The risk with it is that you don't know when your horse's might need treatment and how much it will cost.
If you've only been saving for a few months and your horse has an expensive operation it's unlikely you'll have enough set aside. And if your horse's needs regular treatment it can quickly chip away at any savings.
Even common issues like cuts can cost hundreds of dollars to treat and more serious conditions can easily cost thousands. This is why many people choose to insure their horse's.
If your horse's has no pre-existing conditions any of our Essentials, Complete or Comprehensive policies will be suitable for them.
We can provide cover for a horse that’s had a more recent health issue you just need to speak to us. We’ll usually cover a condition as long as your horse's been free from treatment, medicine or advice for a period of time.
No, vaccinations aren’t covered by horse's insurance because they’re considered as routine procedures.
Horse advice and tips!
Caring for a horse is delightful, even though it can sometimes be rough. Straight from The Stables blog, learn some key tips and tricks for horse parenting.
Equine Mortality Insurance: Protecting Your Investment
This article provides valuable insights into equine mortality insurance, helping protect your beloved horse and financial investment.
How to Keep Your Stable Safe During Winter Weather
This blog post provides essential tips for keeping your stable and horses safe during the winter months. Learn how to winterize your stable, prepare for emergencies, and monitor your horses closely for signs of cold stress. Discover important safety precautions to take, such as clearing walkways and ensuring proper fire safety.
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Explore essential techniques for building trust with nervous horses and learn how patience, consistency, and positive reinforcement play crucial roles in creating a strong bond. Discover the importance of groundwork exercises, desensitization, and respecting the horse's comfort zone. This post emphasizes the importance of creating a safe and predictable environment for your equine partner.
Spotting Common Equine Injuries Early
This blog post guides horse owners on recognizing and addressing potential injuries in their horses. It covers common signs like lameness, swelling, and changes in behavior. The post emphasizes the importance of early detection and prompt veterinary care for faster healing and preventing complications.
Colic Prevention: Essential Feeding & Management Tips for Your Horse
This blog post provides crucial information on preventing colic in horses. Learn about essential feeding strategies, including a high-fiber diet, gradual feed changes, and adequate hydration. Discover pasture management techniques, proper feeding practices, and the importance of exercise and routine. This post also emphasizes the importance of dental care and parasite control in maintaining your horse's digestive health.
Equine Mortality Insurance: Protecting Your Investment
How to Keep Your Stable Safe During Winter Weather
Spotting Common Equine Injuries Early
Your horse's protection, tailored to complement your lifestyle effortlessly.