Do You Need to Insure Your Horse?


Horses are an expensive commitment and many horse owners, at one time or another, have contemplated equine insurance to protect a beloved horse, as well as their investment.

We were fortunate to have Sue Bopp, CEO of The EMO Agency in Warrenton, VA, speak at our last Client Education Meeting in Charlottesville on August 27.  As you are considering insuring your horse, it is useful to understand the differences between the following types of equine insurance:

Equine Mortality & Theft

EMO’s Equine Mortality Policy is an all perils life insurance policy for your horse. You are covered against theft of your horse, or loss from accident, illness, disease, injury or humane destruction.

Major Medical/Vet Servicesimages mri machine

EMO’s Major Medical Plan for horses is much like your health care insurance plan. It provides benefits when your horse becomes ill, injured or diseased. It covers a portion of diagnostic testing, medical treatment and surgical services, as well as aftercare treatment. Deductibles are reasonable and benefits are generous. Surgical coverage is also available.

Loss of Use

Your horse is protected with EMO’s Loss of Use (LOU) policy. It pays you a specified percentage of the insured value of your horse if it becomes permanently unfit for use due to injury, illness or disease, but does not require destruction for humane reasons. There are two types of LOU: 1) Accidental and 2) Degenerative. Please contact EMO for further details.

Specialty Policies

EMO also offers customized special policies to cover unique situations. For example, if your concern is stallion or mare productivity, we offer fertility coverage. Whatever issue concerns you, just ask your EMO representative about special coverage.

Regardless of the insurance agency you choose, be sure to read the policy terms in detail and get answers to any questions you have prior to purchasing a policy.  Once a policy is in place, be sure you understand the requirements for getting approval for covered procedures and make sure that anyone caring for your horse has that information, as well.  An emergency is no time to be scrambling for the insurance company’s contact information.

An appropriate equine insurance policy can offer protection for your horse and peace of mind for you, and will hopefully be one purchase you never have to use.