Although there are many reasons to insure, financial security is number one.
Financial protection is incredibly important. If you purchase a horse, Mortality insurance allows you to replace that horse with a horse of equal quality should your initial horse perish. If you began with a young or green horse, you have probably increased the value of the horse as you added training or show experience. Insurance allows you to replace the animal at the current level and not have to start over.
Major Medical and Surgical Coverage, assist in the financial concern of being able to provide colic surgery, hospitalization, or lameness treatment for the horse should they need it.