Choosing Equine Insurance For Your Pony
As a pony or horse owner, equine insurance is an important consideration
. While it is not a legal requirement to take out a pony insurance policy, having it does bring a considerable number of benefits.
Horse Insurance or Pony Insurance?
Even though you have a pony, you will still be able to insure it under most horse insurance policies. Equine insurance companies typically refer to their policies as horse insurance rather than making a separate one for ponies as well, as this tends to cover most options.
So what should you look for in a pony insurance policy?
If you've never purchased pet insurance before, then it's time to learn the basics. The most important thing - for most people at least - when it comes to purchasing pet or equine insurance is the veterinary cover.
If you horse has an accident or becomes ill, you will normally need to take it to the vet. This can be very expensive, and it's nice to safeguard yourself against high vet bills and other potential financial problems.
Most pony and horse insurance policies include cover against veterinary bills. This will vary from company to company but typically this is between 2,000 and 5,000 for a basic level package. Most companies will have more than one policy to choose from depending on your needs and budget.
Death, theft and straying is something else that's typically covered in equine insurance policies. Essentially this covers you if your horse goes missing, allowing you to replace it and/or cover the costs of advertising and reward.
Personal accident cover is something else which is typically covered by a horse or pony insurance policy. This is fairly straightforward and covers the costs of treatment is the rider is injured. Generally the amount covered is around 10,000 although this will vary from company to company and premium to premium.
Public liability cover is also available on most policies either included or as an optional extra. This can be something that although you don't envisage yourself needing it, can come in very useful. Horses and ponies can cause considerable amounts of damage, both to people and property, and having liability cover can be extremely re-assuring.
In the UK, there are many companies which insure horses and ponies. A quick search online will reveal most of these companies. Comparing horse and pony insurance is also made relatively easy thanks to the birth of comparison websites which will place policies next to each other in an easy-to-compare manner.
Choosing Equine Insurance For Your Pony
By: Katie Samson
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