Best Pet Insurance For Horses (2025 Review)
According to the 2019 American Veterinary Medical Association Demographics Sourcebook, there are nearly 2 million pet horses in the United States. While less than 1% of U.S. households own horses, 89% of those pet owners consider their hooved pals close companions or family members.
If you’re one of these equine fanatics, you know horse care isn’t cheap. Therefore, we’ve reigned in some information on pet insurance for horses to help make horse ownership more affordable and less stressful.
With the right plan, you’ll get mane-to-tail health insurance coverage for your precious pet.
Compare the Top Pet Insurance Providers for Horses
| ASPCA | Pet Assure* | |
|---|---|---|
| Quote | Visit Site | Visit Site |
| Our Score | 4.5/5 | 4.1/5 |
| Deductible | $100 to $500 | N/A |
| Average Monthly Cost for Horses | $60-$100 | $11.95-$21.95 |
| Multi-pet Discount | 10% | N/A |
| Wellness Add-on | Yes | N/A |
| BBB Rating | N/A | A+ |
*Pet Assure is a veterinary discount service, not a pet insurance company. Keep reading to learn how Pet Assure can provide savings on your horse’s veterinary care.
Types of Pet Insurance for Horses: What Type Of Coverage Is Best?
Mortality
Mortality insurance for horses functions like human life insurance. If your horse dies from a covered accident or illness, the insurance company will reimburse you for the full value of your horse or a percentage of its value.
There are two types of mortality insurance you can select.
Full mortality plans provide coverage if your horse dies or is stolen. These policies are basically life insurance for your pet.
Limited mortality plans cover fewer causes of death, typically related to disasters like fires, floods, or lightning.
As we noted, the cost of a mortality policy typically depends on the monetary worth of your animal. You’ll often need to provide your pet’s value to receive a horse insurance quote.
Major Medical
Major medical insurance for your horse is like traditional accident/illness pet insurance coverage. With a Major Medical plan, you’ll pay a monthly premium in exchange for coverage if your horse gets injured or sick. You’ll get reimbursements for diagnostic testing, treatments, and surgeries associated with your horse’s illness or injury.
Premiums for major medical coverage for horses typically start at around $200. Coverage works similarly to dog or cat insurance and will vary depending on your horse’s age, breed, medical history, and location. Horses are used for different tasks such as farming, riding, and jumping, so rates and coverage might also depend on the animal’s job.
Liability
Liability insurance covers you if your horse hurts someone or damages someone else’s property. Some homeowners’ insurance policies cover pet liability, but you should check with your specific provider. You’ll need more extensive liability coverage if you run a business involving horses.
How Much Does Pet Insurance For Horses Cost?
Horse insurance costs anywhere from $500-$3,000 per year.
ASPCA provides horse insurance at competitively affordable prices. You can use the provider’s free online quote generator to estimate premiums for your hooved companion.
We generated the sample quotes below for an Appaloosa in Houston.
| Type of Coverage | Age | Coverage rates | Monthly Cost |
|---|---|---|---|
| Accident-only coverage | 3 | $500 annual deductible $3,000 annual payout limit 70% reimbursement | $15 |
| $100 annual deductible $7,000 annual payout limit 90% reimbursement | $33 | ||
| 15 | $500 annual deductible $3,000 annual payout limit 70% reimbursement | $15 | |
| $100 annual deductible $7,000 annual payout limit 90% reimbursement | $33 | ||
| Accident/illness coverage | 3 | $500 annual deductible $3,000 annual payout limit 70% reimbursement | $38 |
| $100 annual deductible $7,000 annual payout limit 90% reimbursement | $90 | ||
| 15 | $500 annual deductible $3,000 annual payout limit 70% reimbursement | $95 | |
| $100 annual deductible $7,000 annual payout limit 90% reimbursement | $226 |
Pet Insurance for Horses: ASPCA Pet Health Insurnace
ASPCA Pet Insurance
Most Experienced
Alternatives for Horse Insurance
Pet Assure For Horses
If you’re unsure about purchasing a pet insurance plan for your horse, there are alternatives. We recommend Pet Assure for discounts on all of your horse’s vet visits.
Before buying a plan, note that Pet Assure is only available at veterinary clinics within its network. To find a participating clinic near you, you can access the network search tool on the company’s website.
Pet Assure is a veterinary discount plan – not pet insurance – so you’ll never have to reach a deductible or file a claim. Instead, you’ll pay a fixed rate in exchange for discounts on your animal’s in-house veterinary services.
Once you sign up, Pet Assure will send you a discount card. Simply present the card at checkout for 25% off your vet bill.
We like that the company covers conditions that occurred before your policy started. No pet insurance agency covers pre-existing conditions, so this is a major plus. Pet Assure also includes wellness care as a discountable item so that you can save big on your horse’s routine maintenance.
Pet Assure offers three plan options for horses:
- The Single Dog Plan covers one dog or large animal, such as a horse, llama, or pig. This plan costs $11.95 per month or a one-time payment of $99 if you opt to pay annually.
- The Family Plan covers two to four animals of any size. You’ll pay $16.95 per month or $149 annually.
- The Unlimited Plan covers an unlimited number of pets of any species or size. This plan costs $21.95 per month or $199 annually.
Remember that $4,000-$10,000 emergency colic surgery we talked about earlier? Let’s see how Pet Assure would help you save on such a procedure.
Let’s say your horse goes in for surgery, and the bill comes out at $7,000. You tack on $100 more for a physical examination and a couple of vaccines.
You present your Pet Assure discount card at checkout for 25% in automatic savings, bringing your bill down to $5,325.
Pet Assure is an excellent alternative to pet insurance if you’re the type of horse owner who just wants some savings without having to muddle through policy exclusions, coverage limitations, and reimbursement rates.
If you need mortality coverage or liability insurance for your horse, you can combine a Pet Assure membership with a traditional pet insurance plan. This way, you’ll get coverage in the event of an emergency and savings on routine veterinary care.
Pros
- No annual limits, deductibles, or waiting periods
- Available to farm animals, birds, and exotic pets
- No upper age limits
- Pre-existing conditions covered
- Affordable monthly rates
Cons
- Must purchase through your employer’s benefits program
- Only available at participating veterinary clinics
- Discount only available at checkout
- Read our Pet Assure review to find out more.
Our Final Thoughts on Pet Insurance For Horses
Pet insurance for horses isn’t as readily available as pet insurance for dogs or cats, but it’s still out there. Luckily, top providers like ASPCA and Pet Assure offer plans to help you save on expensive equine care.
We suggest choosing an insurance plan with mortality, medical, or liability coverage depending on your horse’s needs. Horses used for show, sporting, or farming will have different coverage requirements, so be sure to read the fine print before purchasing a policy.
No matter what kind of plan you choose, you’ll be providing your horse with whinny-worthy coverage. Your horse will be healthy, and you’ll have peace of mind knowing you can cover its hefty medical costs.
Frequently Asked Questions About Pet Insurance For Horses
Is Horse Insurance Worth It?
According to the University of Tennessee Institute of Agriculture, preventive care for horses costs around $854 per year. You should include deworming, fecal tests, vaccinations, and a Coggins test in your horse’s routine care schedule to keep it healthy.
Keeping your horse up-to-date on wellness care can prevent more serious health problems down the road, but emergencies still happen. For example, emergency colic surgery for your horse can cost $4,000-$10,000. With a solid equine insurance plan, you might have to reach a $500 deductible before you get up to 90% reimbursement for the procedure, bringing your out-of-pocket cost to $1,500.
Based on this example, we think horse insurance is worth it. Yes, your monthly and annual premiums are high, but owning a horse is expensive no matter what. You’ll want coverage, especially if the horse is accident-prone or part of a business endeavor.
Our Methodology
Other Pet Insurance Resources
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Best Pet Insurance for Exotic Pets (2025 Review)
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Emergency Pet Insurance: What’s Covered? (2025 Review)
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Best Pet Insurance Plans for Older Dogs (2024 Review)
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Best Pet Wellness Plans for Routine Care (2025 Review)
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Best Pet Insurance Plans for Multiple Pets (2024 Review)
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Pet Dental Insurance: Finding The Right Plan (2024)
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Best Pet Insurance That Covers Pre-Existing Conditions (2024 Review)
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Best Pet Insurance Plans with No Waiting Period (2024)
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Pet Insurance Cost: The Definitive 2025 Guide
