This message is from: [EMAIL PROTECTED] I have my Fjords insured, and my other horses, too. They do a lot of traveling. Insurance is based on the purchase price of the horse. You can raise the amount of your coverage, but often have to substantiate it when you get in the higher amounts. In other words, someone just can't say, this filly is worth $100, 000. without proving it somehow. I am requested to submit show records every year to show that I do use the horse for dressage (a lower rate than jumping). Most insurance companies have you pay a premium based on 3-5% of your insured value per year. I would strongly recommend adding major medical coverage to the policy for an extra $150-250.
If you don't know the market value of your horse, I'm sure the insurance company can help you with that. It only gets tricky when you start getting horses valued over $25,000. Then, you have to submit a vet check every year with your application. Unfortunately, I had to use my insurance policy when I lost a horse to colic. The bills were over $5000 (surgery involved) and they paid for everything, including what I paid for the horse. Elaine Olsen
