Guest Posted October 5, 2015 Posted October 5, 2015 I have a question. Do horse owners insure their horses? What Painthorse said. It depends on two things. 1: The value of the horse. For some people horses are pets, for some they are a tool and for others they are an investment, or any combination. 2: How deep your pockets are.
Guest ChasingRabbits Posted October 5, 2015 Posted October 5, 2015 If this horse had insurance, would the insurer pay for the damages? In other words, would insurance be a reason for the owners to claim the injury was due to something other than their own negligence or mishandling of the animal?
Rockape Posted October 5, 2015 Posted October 5, 2015 I highly doubt this horse was insured, there might however be something on their homeowner policy that would allow them to re-coup vet payments and even the value of the horse, not likely though unless they had some sort of "Cadillac plan".
Painthorse Posted October 5, 2015 Posted October 5, 2015 @CR, it all depends on the level of coverage. The equine insurance companies have become very strict on mortality claims due to what has happened in the past. Multi million dollar claims on race horses and hunter jumpers were proved to be insurance fraud. Owners or trainers were claiming natural death when in fact they murdered the horses. One example was a multi million dollar race horse's natural death claim was in fact ping pong or golf balls <can't remember which> was shoved up the horse's nose and it suffocated him. Another was a hunter jumper whose owner or trainer took a hammer or some other tool and busted his leg beyond repair. Also electric shock has been used.
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