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Equine Insurance Options by Simon Hemmings

Equine Insurance will offer peace of mind for the horse owner, but what does it all mean?

The basic equine insurance coverage purchased by horse owners is typically mortality and major medical policies, generally, mortality insurance reimburses a horse owner if the horse dies and depending on the policy the owner may recieve partial or fully repayment for the horse. Medical and surgical policies cover the costs associated with treatment of an injury or illness. An owner can purchase mortality coverage alone, but medical and surgical policies are generally available only in combination with mortality.

Mortality Insurance for Horses

Equine Mortality policies will cover for most cause of death, including natural occurrences such as colic as well as fatal injuries resulting from accidents, fire, lightning and other causes. Some policies even protect against freak accidents for your horse. Age limits will vary by insurance provider, full mortality coverage normally is available to horses as young as 24 hours and as old as 17 years. When evaluating a policy make sure the exclusions are clearly spelled out. A company might be reluctant to pay, for example, if a horse dies due to real or perceived negligence or other human error.

Another consideration in choosing a equine mortality policy is the amount of coverage you actually require. You can insure up to 100 percent of the value of your horse, but the more expensive the horse, the higher the premiums will be. Rates depend on several factors, including the horse’s current value, age, sex, breed and discipline.

Loss of Use
A variation on equine mortality coverage is called â€loss of use,†which pays a percentage of the horse’s value should an injury leave him permanently unable to perform in the discipline identified in the policy. For instance, if an injury ends a jumper’s career the owner may collect up to 60 percent of the horse’s insured value. But be sure to read the fine print: Many loss-of-use policies give the insurance company the right to take possession of the horse after paying a claim. Others offer two choices: a higher reimbursement if the insurer keeps the horse or a lower reimbursement if the owner keeps the horse.

Medical And Surgical Insurance
Technological advancements are having a tremendous impact on equine health care, but the costs of certain treatments can be prohibitive. An equine insurance policy may help you avoid the heartbreaking decision of whether you can afford the veterinary measures that could save your horse’s life.

As the name suggests major medical/surgical insurance covers medical and surgical treatment for illnesses and injuries that occur during the insurance policy period. Some companies describe their coverage simply as â€major medical,†but it often includes surgery as well. Typically, the coverage includes diagnostics, medications, surgery and postoperative care.

Medical/surgical policies usually do not cover routine care such as vaccines and dental treatment, nor do most policies cover elective or cosmetic surgeries or treatment for developmental or congenital birth defects. Alternative therapies, such as chiropractic, acupuncture or magnetic therapy, are often excluded from policies, but some companies review such treatments on a case-by-case basis.

Weighing the Costs
Whether you buy equine mortality insurance alone or in conjunction with medical/surgical insurance, your annual premiums will very much depend on the horse, your location and other factors. For mortality coverage you can generally expect to pay premiums of anywhere from 2 to 4 percent of the horse’s value.

Adding major medical/surgical insurance to your mortality policy generally means that you’ll pay an additional flat fee that is based on the coverage limit and the amount of the deductible, the sum you must pay if you make a claim.

You can save money on medical coverage by opting for a slightly cheaper â€surgical-only†policy, which typically covers only the costs of surgery am postoperative care. These policies frequently will not cover any diagnostic work or hospital costs that occur before surgery. Surgical-only policies are not as common as major medical, simply because the coverage is not as broad, and the cost savings often are minimal.

Your-Pet-Insurance provides information and tips on getting the best Pet Insurance UK around and offers other information on insurance including, Equine Insurance Options

Article Source: http://www.earticlesonline.com/Article/Equine-Insurance-Options/432633

FEATURED PRODUCTS:

Check out these fine shops that offer Dental Veterinary Surgical products:

Wolf X-Ray PetDent Veterinary Dental Film, 2500/cs $624.71 Features of the Wolf X-Ray PetDent Veterinary Dental Film: Wolf X-ray has dental film specially designed for your four legged patients. Wolf PetDent dental film features wide latitude for excellent image detail, a blue based emulsion for greater clarity and definition, and soft supple vinyl packets that are comfortable to bite on. And the vinyl packets have an extra strong seal to withstand some accidental chewing too! PetDent meets all ANSI Dental Film Specifications.

Miltex Surgical Instrument Cleaner, 8oz Bottle, Each $12.3 Features of the Miltex Surgical Instrument Cleaner: Contents of one 8 oz. bottle makes 32 gallons of solution. Designed to provide optimum cleaning performance and will help to prolong the service life of valuable surgical and dental instrumentation. Neutral pH and phosphate-free liquid concentrate formula for manual and ultrasonic cleaning or soaking of surgical/dental instruments, accessories and glassware. Biodegradable and rinses free.

Welch Allyn 4 Short Veterinary Reusable Speculum $11.56 For use with the Welch Allyn Digital MacroView Veterinary Otoscope.

Welch Allyn 5 Short Veterinary Reusable Speculum $11.56 For use with the Welch Allyn Digital MacroView Veterinary Otoscope.

Betadine Surgical Scrub, 32oz $17.24 Betadine Surgical Scrub, 32oz

Betadine Surgical Scrub, 16oz $9.77 Betadine Surgical Scrub, 16oz

Betadine Surgical Scrub, Gallon $42.43 Betadine Surgical Scrub, Gallon

Betadine Surgical Scrub, 16oz with Pump $15.21 Betadine Surgical Scrub, 16oz with Pump

White Swan Blue Tooth print scrub top. $18.99 Shaped styling with crossover neckline and front pockets in a fun dental scrubs print. 100% Cotton. 26inch length. Sizes XS-3X.

Nonin 2000SL Lingual Clip Veterinary Sensor $207 Features of the Nonin 2000SL Lingual Clip Veterinary Sensor: Nonin Medical's veterinary sensors are ideal for short-term and continuous noninvasive monitoring. Lightweight, ultra-sensitive clip-on sensor for tongue application or paw pad, and well-vascularized areas, as appropriate.

Health O Meter Veterinary Hanging Scale $45 Features of the Health O Meter Veterinary Hanging Scale: Capacity: 220 lb / 100 kg Graduation: 2 lb / 1 kg

White Swan Blue Tooth print scrub jacket. $23.99 Round neck jacket with snap front and knit cuffs in a fun dental scrubs print. 30inch Length. 100% Cotton. Sizes XS-3X.

Cherokee Scrub HQ Playtime Pups print mock-wrap scrub top. $19.99 Mock-wrap styling with pewter contrast trim, plain back, and front patch pockets. Comfortable, soft, poly/cotton blend with soil release. Great veterinary print! Center back length: 26inch. 100% cotton.

ADC Veterinary Otoscope $49.99 * German 2.5V lamp for bright illumination.* Bayonet locking otoscope head.* Removable 4x magnifying lens.* Rheostatic on/off switch.* Autoclavable, polypropylene ear specula in sizes 4mm, 5mm, and 7mm. * Knurled brass handle with a beautiful satin finish. * Veterinary model includes Autoclavable, polypropylene ear specula in sizes 4mm, 5mm, and 7mm specula sizes. * Compact instrument measures just under 71/2" and weighs approximately 7 oz.* Powered by 2 "C" cell batteries (not included).* Comes with zippered leatherette storage pouch that holds the otoscope and included speculas.* Inspected and packaged in the U.S.A. from foreign components.* One Year Quality Performance Guarantee. ADC medical instruments and accessories have been carefully designed to meet the rigorous demands of the most discriminating healthcare professionals throughout the world.ADC products are manufactured from the finest materials with an uncompromising concern for quality.Exhaustive inspection of every item by ADC factory trained quality control staff ensures strict compliance with ADC standards for performance and durability.And the commitment to manufacturing excellence is backed by the industry's most extensive warranties. "State-of-the-art" distribution combined with a knowledgeable, courteous staff guarantees that the service you receive will be as outstanding as the products delivered.

Welch Allyn 96221-MP Veterinary Diagnostic Set with PanOptic Ophthalmoscope & MacroView Otoscope $879.93 The Welch Allyn 96221-MP Veterinary Diagnostic Set includes: 11820 PanOptic veterinary opthalmoscope head. 23862 Macroview otoscope head. 71000-A Direct plug-in rechargeable handle. 05815-M soft carrying case.

Welch Allyn 96221-M Veterinary Diagnostic Set with PanOptic Ophthalmoscope & Coaxial Otoscope $774.29 The Welch Allyn 96221-M Veterinary Diagnostic Set includes: 11720 PanOptic veterinary opthalmoscope head. 23862 coaxial otoscope head. 71000-A Direct plug-in rechargeable handle. 05215-M soft carrying case.

Sunstar GUM ButlerWeave Dental Floss, Waxed, 12 yd Tub, 144/bx $68.59 Sunstar GUM ButlerWeave Dental Floss, Waxed, 12 yd Tub, 144/bx

3M Tie-On Surgical Mask, 50/bx $13.48 Features of the 3M Tie-On Surgical Mask: 3M's most popular flat surgical mask, preferred for its comfort and breathability. A fluid resistant, tie-on surgical mask with horizontal ties, this mask is ideal for surgical and general-purpose use. Blue. Hypoallergenic. Available with an attached face shield (3M-1818FSG).

Seca 606 Electronic Veterinary Scale $1395.17 The Seca Electronic Veterinary Scale is an extremely accurate and dependable scale for weighing pets.The TARE Function allows a small animal to be weighed in a basket.Simply place a basket on the scale, tare out the basket and place the pet in the basket. Only the pets weight will show.The Dampening Function ensures reliable weighing of calm animals, restless animals and very restless animals.The scale's rough surface consists of scratch-resistance plastic and is very easy to clean.The anodized Frame Construction and the sealed wooden plate at the bottom of the scale make the scale highly moisture resistant when the floor in the veterinary practice or clinic becomes wet.The intelligent Auto-Hold Function will continue to display the animal's weight after it has left the scale.The battery capacity is sufficient for 16.000 weighings.The scale turns off in 2 minutes when using batteries.Capacity: 220 lbs / 100 kgs.Graduations: 20g <20 kg> 50 kg <50 kg> 100 g / 1 oz. <50 lbs> 2 oz <150 lbs> 4 oz.Tare Range: 220 lbs / 100kg.Platform Size: 35.4 x 23.6 x 3".Weight: 30.8 lbs.Power Supply: 6 Batteries / AC UL adapter optional.

Kimberly Clark Classic Surgical Mask, Pack of 50 $12.5 Classic Surgical Mask, pleat-style with ties, blue

Biogel Surgical Gloves, Latex, Size 6.5 $632.52 Biogel Surgical Gloves, Latex, Size 6.5

Kimberly Clark Surgical Towels, Absorbent, 200/cs $75.81 Kimberly Clark Surgical Towels, Absorbent, 200/cs

Sofloop Surgical Face Mask With Earloop, 300/CASE $131.96 Sofloop Surgical Face Mask Earloop, 300/CASE

Biogel Surgical Gloves, Latex, Size 6 $627.52 Biogel Surgical Gloves, Latex, Size 6

Biogel Surgical Gloves, Latex, Size 7.5 $632.52 Biogel Surgical Gloves, Latex, Size 7.5

US Surgical Endo Dissector, 5 mm, 6/bx $2271 US Surgical Endo Dissector, 5 mm, 6/bx

US Surgical Endo Grasp, 5 mm, 6/bx $2197 US Surgical Endo Grasp, 5 mm, 6/bx

A great place to shop for Dental Veterinary Surgical products is Amazon.

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