Top Rated Horse Insurance
The Benefits of Equine Insurance
Life with a horse is full of unexpected moments. They eat things they shouldn’t, are forever getting into trouble and, just like us, can’t help but get sick from time to time.
That’s where horse insurance has your back. A horse insurance policy covers the cost when your horse has an accident or falls ill – so you can get them the treatment they need without worrying about pricey vet bills.
Stable Cover customers are supported by A.M. Best Co. A Rated Insurance, that has already helped over 170,000 horses and over 50,000 customers.
*Insurance companies assigned as a A rating, have an excellent ability to meet their ongoing obligations to policyholders.
What is Equine Mortality Insurance?
Equine mortality insurance is a type of insurance policy that provides financial compensation to the horse owner in the event of their horse's unexpected death. This coverage typically includes accidental death, illness, and euthanasia due to illness or injury. It offers crucial financial protection for horse owners, helping to offset the cost of replacing a beloved and often valuable equine companion.
Why Pick Stable Cover Horse Insurance
At Stable Cover, we're more than just insurance. We're your partners in equine care. We offer a suite of valuable resources and benefits to support you and your horse throughout their journey, even when you're not filing a claim.
Our 24/7 claims support is here to save the day whenever your horse needs it the most
Our comprehensive direct billing system makes it as easy as carrot cake, and the invoice even includes your horse's name for that personal touch.
Choose from various coverage levels to match your specific needs and budget.
Meet our dream team of horse-loving experts, from our underwriters to our claims adjusters! They're not just professionals, they're equine enthusiasts.
All of our plans offer coverage for your veteran horses. While most equine insurance plans call it quits at age 18, our flexible options cover all stages of your horse's life journey through the age of 20.
Manage your policy, submit claims, and access support through a user-friendly online platform.
Thank you for all your support and the incredible customer service you've provided throughout these last few months, and for concluding the mortality claim so rapidly. You are amazing.
-Helen
3 Perks of Owning Horse Insurance with Stable Cover
Owning a horse is a joy, but unexpected vet bills can be stressful. Stable Cover's horse insurance provides financial protection in case your horse gets sick, injured, or requires surgery.
This means you can focus on your horse's recovery without worrying about the cost.
Every horse and owner is unique.
Stable Cover offers a variety of customizable coverage options to ensure your horse is protected for the things that matter most to you. Whether you need basic coverage or comprehensive protection, Stable Cover has a plan to fit your needs and budget.
When your horse needs medical attention, the last thing you want to worry about is complicated paperwork.
Stable Cover makes filing claims easy and efficient.Their online platform allows you to submit claims quickly and receive payouts fast, so you can get your horse the care they need without delay.
What vets really think about horse insurance
I have been very impressed with Stable Cover and their prompt and fair handling of claim disputes. In my opinion, the decisions made regarding the claims are fair, timely, and compassionate."
Dr. Barrie Grant
Lead Surgeon, Equine Wobblers
How much does horse insurance cost?
Among other factors, the cost of your horse insurance in the US will depend on:
Your horses breed
Their age
Where you live
How much your paid for your horse
Any pre-existing medical conditions they have
The policy you pick
The only way to know for sure is to get a horse insurance quote. Luckily, it only takes a few minutes.
Don't just take our word for it. See what our happy customers are saying! 🐴
Explore five-star reviews from Stable Cover members and discover why so many horse owners choose us to protect their equine partners.
Natalie Hammond
Candice
Helen McMillan
Mallory
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 horse 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.
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Equine Mortality Insurance: Protecting Your Investment
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Your horse's protection, tailored to complement your lifestyle effortlessly.