Stuff happens to horses. They do dumb things periodically, as well. Results can be minor or very expensive. Equine insurance can help cover the risks, but it is a decision that needs guidance. All equine insurance starts with a mortality underwriting. From there, major medical, surgical and even loss-of-use policies are available. A good agent is critical to help understand the risk and rewards based on the individual horse’s age and type of use.
Source: American Racehorse, March/April 2016, page 46.