Horse Insurance: What do they cover? Are cheap?

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Civil Liability

This is the most common insurance. When hired, those will be covered damage that the horse may cause to third parties or if there has been material damage when causing an accident. This policy allows us as owners to have the maximum tranquility and avoid worries about negative problems or consequences that may arise if at any time the animal loses control.

In this case, the third parties are those that are not the spouse, unmarried partners, ascendants, descendants and siblings, consanguineous, collateral or related of the owner of the horse, nor the partners, managers and dependents thereof.

The only thing, keep in mind that the rider will not be covered with this policy, although it will with the corresponding Rider Accidents. Civil Liability protects against claims for damages from third parties, but the person who rides It is not considered in the same way, so for this it is necessary to contract another type of insurance.

Theft, theft or loss

Horse insurance includes coverage to cover a possible disappearance of the equine or even a robbery or theft of the same. The amount of compensation shall amount to the percentage that has been previously established on the sum insured with the entity. Depending on the insurance you hire, the company will take care of the total value of the horse or, if you have contracted with franchises, as owner you will cover part of the value of the animal, taking care of the rest the insurer.

Death and loss of use

We must be prepared before a death of our equine, a tragic situation that we will have covered with a horse safe, which includes coverage that indemnify the owner in the event that the animal has lost its life for accident or illness.

In addition, in some cases, you can also cover the expenses caused by the death of the horse, such as transfer to the slaughterhouse or exam post mortem or necropsy, as reflected in the regulations of our country.

On the other hand, if an accident has left the animal disabled To carry out its routine work, the insured will receive a economic compensation in case you have contracted this coverage.

Horse sacrifice

Faced with the possibility, unfortunately, of having to sacrifice the animal, horse insurance to the insured owner of the expenses that has caused this act, whenever illness or accident. Even for financial reasons if the horse is found indisposed, if confirmed by a veterinarian, to perform any activity.


It is a optional coverage for mares and stallions covered by the insured by the inability, whether permanent or total, animal reproductive. This disability must be derived from a disease, other than an epidemic, or an accident. He abortion and dystrophic delivery They can also be covered.

The equine transport

If we go to transport our horse, we can also ensure both the transfer such as boarding and disembarking up to the limit of the sum insured. This is a very valid coverage for the stay, for example, in competitions or fairgrounds for less than 30 days.

Is it obligatory to take out insurance for horses?

Spanish legislation does not require the hiring of horse insurance, but it does specifically indicate the responsibility of the owners of these types of animals. Article 1905 of the Civil Code indicates that “the owner of an animal, or the one who uses it, is responsible for the damages that it will cause, even if it is lost or lost. This responsibility will only cease in the event that the damage came from force majeure or fault of the one who had suffered it ”.

So, Horse insurance is not mandatory such as other animals such as Potentially Dangerous Dogs (PPP). However, the high amount that the owner may have to face if the animal causes material or personal damage to a third party who claims it causes it to be a highly recommended policy if you have an animal with these characteristics.

The value of the horse for the insurer

When it comes to insuring a horse, its value is key to hiring the policy.. This will depend on the premium that the owner will have to pay and therefore the insured amount that needs to be hired for their protection. That is, it is necessary to specify how much the horse is worth to determine the maximum amount with which the insurer will have to compensate in the event of an accident.

Some companies in the sector allow owners to agree on the value of their horse at the time of signing the contract, thus not limiting themselves to the value it has in the market, while others estimate it according to the price it has. Thus, in the event that the interested party dies or is stolen, he receives the economic amount that he estimates his horse cost and not what he would have paid if he had wanted to sell it.

Hedge insurance coverage

Horse insurance, as well as Pet insurance, includes both covers that protect the animal itself as its owner. This type of insurance product includes basic guarantees such as the death or theft of the animal as well as civil liability for material or personal damages that may be caused to a third party.

The coverage of each horse policy depends on the insurer with which you subscribe and the level of protection you want to contract, but they can have the following coverage as basic and optional:

Responsible> The liability coverage (RC) protects the owner of the animal against the possible consequences (personal and material) that can cause the horse to third parties. That is, that the insurer is responsible for the amount that can be demanded from the insured (as owner) for the damages caused by the animal.

When hiring it is necessary to take into account that Civil liability coverage protects against claims for third party damages, although the person who rides on the animal is not considered as such. Thus, to ensure the rider it is necessary to opt for other types of policies.

Take out insurance for the horse

Hiring horse insurance can be done with any company that has this insurance product as long as the horse in question meets certain requirements and is not used for functions excluded from the policies. In addition, your protection can be contracted through horse insurance with all the coverage you want or through specific policies such as horse life insurance or horse accident insurance. It is important to keep in mind that the contracting rules depend on the insurer and the policy subscribed, so they are Particular conditions Y Generals those that determine the guarantees, limits and conditions of its application.

As in other insurances, the additional coverage, limits and guarantees depend on the needs of the interested party (in this case the owner of the horse), and it is possible to subscribe it with franchises or refunds. Some insurers allow you to hire Horse insurance with franchises for all coverages or for some concrete, thus reducing the amount of the premium. For example, in the case of contracting a franchise for theft coverage, the interested party will receive an economic amount resulting from subtracting the amount of the franchise from the value set for the animal (this one in particular is usually at 20%).

Can all horses be secured?

Hiring horse insurance can be done for all types of horses provided that these are identified with microchip, although cannot be done at all ages. For foals they can subscribe when they are 6 months and only up to 3 years in the case that they are female and 4 if they are male. In the case of ponies, donkeys and mules the subscription age is from 6 months to 20 years, while breeding mares can be secured from 3 years to 15 years and stallions from 4 to 18 years.

On the other hand, the age at which horses and mares can begin to be insured is usually around 3 or 4 years, but the limit to which one of these policies can be contracted depends on the function they fulfill. In the case that they are for a walk it is usually from 3 or 4 years to 10, while if they are tamed the limit age is at 18, if they are jumping at 16 and if they are racing they can only be insured up to 9 years.