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
At Stable Cover, we take care of the people who take care of their horses.
Because you don’t need us to care for your horse. You do that.
You do an incredible job caring for your horse. You have the photos, stories, and lifelong memories to prove it. Stable Cover is here to take care of you. The human. The one hauling feed, mucking stalls, and holding the lead rope.
Because we know you would do anything to keep your horse happy and healthy. But having a big heart shouldn’t mean having to struggle with big vet bills. And that’s where we come in.
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.
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.
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.
"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 ruff. Straight from The Stables blog, learn some key tips and tricks for furbulous horse parenting.
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Your horse's protection, tailored to complement your lifestyle effortlessly.