Horse insurance is a type of insurance that covers the care costs for your horse. Since horses are typically not covered by standard pet and homeowner’s insurance policies, you’ll need to find specialized insurance providers called equine insurance that provide coverage for the unique risks involved in horse ownership and competition.
To help you choose the best horse insurance for your needs, we reviewed and compared coverage options, overall business ratings, claim processing options, and more from more than 12 horse insurance companies. This list will help you find the best horse insurance to fit your needs.
The Best Horse Insurance for 2021
- Best Overall: Markel
- Most Affordable (For Private Horse Owners): ASPCA Horse Insurance
- Best for Farmers: Nationwide Farm Insurance
- Best for Racers: Blue Bridle Equine Insurance
- Best for Breeders: Kay Cassell Equine Insurance
- Best for Liability Policies: Hallmark Equine Insurance
- Best for Older Horses: Broadstone Equine Insurance
Best Overall : Markel
Why We Chose It: Markel has specialized in offering coverage for specific horse breeds and disciplines to give you a custom quote for your exact needs. They offer the most comprehensive coverage options available for most personal and commercial business equine activities.
Specialized team that can craft a policy tailored to your horse, equine business, or farm
Options for private and commercial horse owners, instructors, trainers, farriers, and farm owners
Quotes and claim filing available online
Coverage available in all 50 states
Customer service only available 7 a.m. to 7 p.m. CST, Monday through Friday
Markel Horse and Farm Insurance (Markel) is part of Markel Corporation, which was founded in 1930. It’s been offering horse insurance for over 50 years and offers a wide array of insurance options for private horse owners, riders, trainers, and equestrian property owners. Markel also requires no vet certificate required for horses valued under $50,000 and with no pre-existing health conditions.
Markel is the best overall choice for your horse insurance needs. Coverage options will vary by state and all options may not be available in some locations.
Markel offers an impressive number of choices for equine insurance, including:
- Commercial equine operations
- Horse club & association
- Horse farm & ranch
- Horse mortality
- Private horse owner
- Riding instructor & horse trainer
- Show animal club
- Therapeutic riding center (must be PATH certified)
These policies range from property and liability protection to horse mortality, medical, and loss-of-use coverage.
Markel’s claims process is easy, with the ability to submit your claim online, by email, or over the phone, and it also offers a 10% discount toward liability premiums for any member of their approved list of accredited professional associations.
Mortality Insurance rates vary depending on your horse’s breed, discipline, age, value, health records, and other factors. To get a custom quote for your horse, Markel offers free quotes through their online portal.
Most Affordable (For Private Horse Owners) : ASPCA Horse Insurance
Why We Chose It: The American Society for the Prevention of Cruelty to Animals (ASPCA) offers affordable horse insurance for unexpected medical costs. With no mortality insurance required, they help keep your insurance costs to a minimum.
Low-cost horse insurance to cover common medical issues
No mortality insurance required
Colic coverage included in all plans
10% discount for each additional pet
Free online quotes
No coverage for racehorses or horses under six months old
Cannot customize coverage beyond the annual limit, reimbursement, and deductible
Coverage for illnesses costs extra
Reimbursements may take a while
ASPCA offers policies designed for private horse owners who want low-cost coverage for their pet. Its pet insurance through the Hartville Pet Insurance Group and for horses, they have two available plans for coverage:
- Coverage for colic and accidents
- Coverage for colic, accident, and illness
They also include optional preventative coverage that can be added to either plan.
ASPCA does not offer coverage to racehorses or a horse age six months or under. They also do not offer mortality, loss-of-use, or liability coverage.
The ASPCA claims process is available through the ASPCA app, online, by mail, fax, or phone. Once a claim is submitted, it will be reviewed and then you will be reimbursed for the visit or procedure.
Insurance rates vary depending on your horse’s breed, age, health records, and other factors. To get custom pricing for your horse, you can get a free quote through their website. ASPCA also offers a 10% discount for any additional pets covered.
Read our full ASPCA pet insurance review.
Best for Farmers : Nationwide Farm Insurance
Why We Chose It: Nationwide offers comprehensive farm insurance, with an Equine Elite add-on policy to insure horses for things like transit, emergency stabling, or veterinary services.
Complete coverage for equestrian property owners
Customized plans available
Top-rated farm insurance provider
Equine-specific coverage costs extra
Not available nationwide
Founded in 1925, Nationwide is the number-one farm insurer in the U.S., offering insurance options for farmers who operate an equestrian property. They also offer equine-specific insurance options such as:
- Care, custody, and control
- Exhibitions and competitions
- Riding instructors
In addition, Nationwide offers an add-on endorsement to cover more horse-specific incidents, including damage to farm property and emergency medical services.
Nationwide has a specific insurance division for farm owners, giving you access to knowledgeable farm agents to help you build a quote for your operation. You can get a custom quote and help from a farm agent on their website or by phone. Customer service is available from 8 a.m. to 7 p.m. EST, weekdays only.
Read our full Nationwide pet insurance review
Best for Racers : Blue Bridle Equine Insurance
Why We Chose It: Blue Bridle offers mortality, major medical, and loss-of-use policies for racehorses, with experts on staff to help with every horse discipline.
Custom plans for your breed and discipline
Policy extensions for international travel
Full mortality coverage in case of accident, injury, illness, disease, or theft
No online claims process
Blue Bridle is an independent insurance agency that offers horse insurance in 42 states. Established in 1982, they helped pioneer the equine surgical and major medical insurance coverage policies.
They offer insurance for professional horse racers, including:
- Mortality insurance
- Major medical coverage
- Equine surgical coverage
- Loss-of-use insurance
- Colic-only insurance
- Surgical-only insurance
- Accident & Illness coverage
- Medical assistance
- Territory extension/air coverage
Blue Bridle can also build a custom policy based on your specific racehorse needs.
In addition to the standard equine insurance offerings, Blue Bridle offers liability insurance for commercial horse operations. If you own a racehorse that you take to events, they even offer insurance for horse shows, clinics, or equestrian events.
Insurance rates vary depending on your horse’s breed, age, health records, and other factors.
To get a custom quote for your horse, you can fill out a quote request form on their website, and a member of their team will be in touch with you. Customer service hours are not available online, so it’s unclear how long it will take for someone to reply to your inquiry.
Best for Breeders : Kay Cassell Equine Insurance
Why We Chose It: Key Cassell offers coverage for horse breeders, including broodmare insurance, stallion infertility insurance, and prospective foal coverage.
Custom plans to protect against mare barrenness and stallion infertility
Optional protection for foal coverage to insure unborn foal up to a certain age after birth
Employees are horse owners
No online quote estimates available
Website difficult to navigate
Kay Cassell has been offering horse insurance since 1981, with multiple options for breeders to cover their equine investments. With horse owners on staff, their experts can help build a custom insurance plan for your breeding business.
Kay Cassell offers the following insurance coverage options for breeders and their horses:
- Broodmare insurance
- Stallion infertility (A, S & D) insurance
- Prospective foal insurance
- Equine mortality insurance
- Equine major medical coverage
- Equine surgical coverage
- Loss-of-use insurance
They also offer general liability and business liability coverage for your breeding operation. Unique to the industry, they insure your horse for transportation services as well.
Insurance rates vary depending on your horse’s breed, age, health records, and other factors. To get a custom quote for your horse, you can fill out a quote request form on their website, and a member of their team will be in touch with you, although it’s unclear how long that might take.
Best for Liability Policies : Hallmark Equine Insurance
Why We Chose It: Hallmark Equine Insurance liability policies are available in 47 states and include a wide array of options with up to $5M in coverage.
Wide selection of liability coverages for all equine business types
Excess coverage options for claims up to $5M
Many coverages available as stand-alone policies
No online quote submission, must print PDF docs
Hallmark has been offering horse insurance since 1983 with knowledgeable staff who are in the equine industry. Their policies are backed by American Equine Insurance Group (AEIG). A veterinary exam is not necessary for horses over 30 days old, are being insured for less than $100,000, and who are healthy.
Hallmark offers the following liability insurance coverage options:
- Equine personal liability
- Driving horse personal liability supplemental application
- Equine commercial general liability coverage
- Instructor and trainer coverage
- Equine professional liability coverage
- Care, custody, and control (CCC)
- Equine clubs and associations
- Equine event coverage
Each of their policies can be custom-tailored to your equine business, and their knowledgeable staff can help you find the right amount of coverage for every part of your operation.
Customer service is available from 8 a.m. to 7 p.m. EST, weekdays only.
Insurance rates vary depending on your business activities, land, horses on site, and other factors. To get a custom quote for your equine business, you can fill out their contact form and a member of their team will get in touch with you.
Best for Older Horses : Broadstone Equine Insurance
Why We Chose It: Broadstone offers full mortality coverage for horses up to age 20 and named perils coverage for horses of any age.
Major medical coverage available up to age 20
Full mortality coverage up to age 20
Lifetime coverage from named perils available
24/7 claims support
No online claims submission
Colic surgery coverage only covers up to $5,000
Broadstone Equine Insurance is a division of Marshall and Sterling Insurance (founded in 1864) and has been offering equine insurance with a wide range of policies for all horses for over 15 years. They offer major medical and mortality coverage for horses up to age 20 and named perils coverage for any age (after 24 hours old). A veterinary exam is not necessary for horses under the age of 15, are being insured for less than $100,000, and who are healthy.
Broadstone prides itself in horse insurance education with experts on staff and a lengthy FAQ page to help determine the right types of coverage for customers. The company also encourages questions and can help guide you to the right custom policy for your older horse (no matter their condition or value).
Insurance rates vary depending on your horse’s breed, age, health records, and other factors. To get a custom quote for your horse, you can fill out a quote request form on their website, and they will get you a quote within three hours (business hours only, 8:30 a.m. to 4:30 p.m. EST).
Finding the right coverage for your horse or equine operation is an important decision. Since horses are unique animals with many different uses and disciplines, getting coverage that is custom to your situation is always the best idea.
Some insurance agencies specialize in low-cost medical, others offer commercial-level policies with high limits, while others offer a bit of everything. The best way to find the right coverage is by contacting a few of these companies, getting competitive quotes, and finding a company that will educate you on the right types of insurance for your horse. If you’re not sure who to contact first, consider using our top choice, Markel Specialty and Farm Insurance.
|Provider||Why We Picked It||Notable Feature||Primary Coverage Options|
|Markel Specialty Horse and Farm Insurance||Best Overall||Wide array of insurance options||Horse farm & ranch
Private horse owner
|ASPCA Horse Insurance||Most Affordable (For Private Owners)||Inexpensive monthly medical coverage||Coverage for colic, accident, and illness
Optional preventative coverage
|Nationwide Farm Insurance||Best for Farmers||#1 rated farm insurance company||Boarding
Care, custody, and control
Exhibitions and competitions
|Blue Bridle Equine Insurance||Best for Racers||Full coverage for racehorses||Mortality insurance
Major medical coverage
Territory extension/air coverage
|Kay Cassell Equine Insurance||Best for Breeders||Coverage for both mares and stallions||Broodmare insurance
Stallion infertility (A, S & D) insurance
Prospective foal insurance
|Hallmark Equine Insurance||Best for Liability Policies||Variety of liability coverage options||Equine personal liability
Equine commercial general liability coverage
Equine professional liability coverage
|Broadstone Equine Insurance||Best for Older Horses||Covers horses up to age 20 (or older)||Equine surgical coverage
Named perils coverage
Horse Insurance FAQ
What Is Horse Insurance?
Horse insurance, also known as equine insurance, refers to a variety of policies that protect your horse, equine business, or property. Just like any insurance product, horse insurance helps transfer the risk of loss to the insurer.
These policies cover horse mortality, medical costs, and liability costs if your horse damages property or injures someone. There are also policies designed to protect equine business investments, including property, racing and breeding operations, and other commercial interests.
What Does Horse Insurance Cover?
Horse insurance can cover your horse, property, or business assets involved in equine activities. Horse insurance is a must for income-producing horses including breeding, racing, and other competing horse activities. Personal horse liability insurance is also required for horses that are boarded on someone else’s property.
Here are a few of the most popular horse insurance coverage options:
- Full mortality
- Major medical
- Personal liability
- Business liability
Most horse insurance companies can provide custom coverage options, depending on your needs.
How Much Does It Cost To Insure a Horse?
The costs involved to insure a horse vary by age, breed, discipline, the value of the horse, and other factors. Each type of horse insurance coverage varies in cost as well.
Here are a few factors involved in the price of horse insurance:
- Horse Breed: Each horse breed has unique care needs, costs will vary
- Horse Discipline: Racing, breeding, personal use
- Horse Age: Horses under six months and over age 15 may cost extra
- Horse Value: The value of your horse affects the policy coverage and premiums
- Deductible: Deductible amounts will affect the policy premiums
- Coverage Limits: The higher your coverage limits, the higher the cost of the policy
Most insurance agencies offer free quotes that are custom to your specific needs. Always compare quotes from multiple companies to get the best coverage and price for your needs.
Is Horse Insurance Worth the Cost?
Considering the cost of colic surgery can be upwards of $10,000, and lawsuits arising from horse-related injuries can cost hundreds of thousands of dollars, horse insurance is worth the cost. For horse owners who race or breed their horses, protecting your investment with the right types of insurance can potentially save your business in the event of an incident.
When Should I Get Horse Insurance?
The best time to get horse insurance is the day you acquire the horse. Most horse insurance offers insurance starting when the horse is 24 hours old up until age 20. If you own a horse for investment purposes, insuring against mortality, medical, and liability incidents should be done as soon as possible.
We evaluated over a dozen horse insurance companies to find the best options on the market. We compared things like the number of policy options, business ratings, time in business, and customer service availability. We also looked for companies that had strong financial backing and free quotes available to prospective customers.
All of the horse insurance companies we chose offered a variety of coverage options for different types of horses, are available across the U.S., and have solid reputations and industry experience.