Horses are now living longer, healthier lives due to improved nutrition and a greater understanding of how to care for older horses. The general classification of a veteran horse is from 15/16 years upwards, which is when many equine insurers place them into a veteran horse category.
Factors to consider when buying Veteran Horse Insurance:
Horse Age Limits:
Choose an insurer who does not put a limit on the age of the horse, some insurers may refuse to insure horses over a certain age which will then leave you at risk when your horse reaches this age.
Vets Fees:
Check to see if the insurer includes illness within their vets fees cover, the mature horse can be more susceptible to illness so this ideally should be included in the policy.
Alternative Therapies:
Older horses can suffer from aches and pains such as arthritis and problems with joint mobility. Alternative therapies such as Equine Massage and Acupuncture can help alleviate these problems for the older horse.
Death of Horse:
Insurers should cover the mature horse in the event of its death, this is likely to be accidental death rather than death by illness or natural causes. Look into the policy terms to see what each insurer covers you for and also check to see if disposal costs are included as these can also be expensive.
Always carefully check the policy terms and conditions before you sign up for a horse insurance policy to make sure that the policy provides you with adequate cover and value for money.
