About Stable Cover

We are horse people.

We love the sound of hooves on fresh grass and the gentle nudge of a horse's muzzle. And we could spend hours watching the graceful movements of a horse at play. But this isn't about us and our love for horses. It's about you and your love for yours.

Thousands of happy customers

Most claims processed within 48 hours

24/7 Claim support

Horse and their owner

Simply, we make horse care affordable

We cover as much as we possibly can. We've pushed our coverage to include everything a horse might need. Vet exam fees? Covered. Colic care? Covered. Stem Cell and IRAP? Absolutely covered.

Because if your horse needs it, we want them to have it. Yes, we do this for your horse. But we also do it for you. We want you to focus on being your horse's biggest fan and greatest protector. Let us handle the vet bills.

Let us protect you the way you protect your horse.

Hopefully, you never need us. But we promise to be here if you do.

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.

Choose any vet

No networks, no restrictions, you are free to choose any licensed vet in the US

0 Deductible, 0% Co-Pay

Unlike others, the majority of our packages include $0 Deductible & 0% Co-pay. Meaning we pay 100% of the bill!

Direct Reimbursement

Direct deposit reimbursements straight to your bank account

Auto-Renewals

No more filling out paperwork every year. Our policies automatically and seamlessly automatically renew.

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:

Exams

Get to the root of the problem fast with your favorite trusted vet.

Diagnostics

Lab work, x-rays, MRIs, blood work and any other tests your horse needs - without additional co-pay!

Treatments

Medications, gastric ulcers, regenerative or even shock wave therapy, so long as a vet prescribes it.

Colic

Get covered for your horses tummy or intestinal issues.

Theft

Rest assured, we protect in the event of theft or other unlawful removal.

Neurological Issues

Covering issues like Wobbler Syndrome and EPM, helping manage the costs of diagnostics, treatment, and ongoing care.

Muscle/ Tendon/ Ligaments

We've got your horse covered from muscle strains to tendon tweaks.

Surgery

Surgical coverage helps cover the costs of operations and aftercare, ensuring your horse gets the treatment they need without financial stress.

Disease

If your horse contracts a disease we are here to assist.

"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

Owner loving their horse
Owner loving their horse

Horse Insurance FAQs

All the questions you’ve ever wanted to ask about horse insurance.

How does horse insurance work?

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.

How do I get a horse insurance quote?

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

Is horse's insurance worth it?

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.

What type of horse insurance is right for me?

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.

Does horse insurance cover vaccinations?

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 ruff. Straight from The Stables blog, learn some key tips and tricks for furbulous horse parenting.

Find the best plan for your horse

Your horse's protection, tailored to complement your lifestyle effortlessly.