Securing Your Horses with Thoroughbred and Stallion Insurance

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Thorough breeding of stallions is quite a task in itself, since you need to oversee that every horse is well protected, because you are in a breeding business after all. Whether your horses are sold for racing or showjumping purposes, they need to be bred for athleticism and built with endurance that is able to challenge other horses in competitions. But in every breeding business, there is always trouble, particularly when the foals are in danger of dying. Thoroughbred insurance and stallion insurance helps in this situation.

 

Both thoroughbred insurance and stallion insurance go together, but what is the difference between the two? Stallions are used to breed for the mare. The first stud is not known – whether or not your stallion is fertile or not. When the first stud is a failure, the stallion insurance will protect your financial investment. Depending on the coverage you have purchased, if your stallion has the inability to impregnate a mare, especially when the infertility rate has reached thirty percent or more, you are covered for this problem. Some insurance companies require that your stallion’s semen or the stallion itself has not been examined nor tested before you purchase the insurance. Some insurance policies must cover at least fifty mares. It really depends on which insurance company that you approach.

 

Now comes with thoroughbred insurance – the word “thoroughbred” itself suggests that it has something to do with breeding the healthiest horses there is. But with thoroughbred insurance and stallion insurance, overseeing the health of the foals and seeing them grow up is not enough. Mother Nature is always unpredictable and has the tendency to take out its living without prior notice. In your horses’s case, when they suddenly get ill and die. There are different types of thoroughbred insurance, so as of the moment, if you are just starting with the breeding business, you will have a hard time choosing what is best for your horse and your horse farm.

 

Thoroughbred insurance and stallion insurance are both important when you start your horse breeding farm. The former is to protect your farm and horses from losses, damages, accidents or injuries caused by the horses to your property. It also includes the full mortality policy, wherein the horse is insured in the event of death only. Stallion insurance primarily covers the stallion in the case of infertility, being unable to fulfill its stud duties, or their first season stud yet failure to successfully impregnate a mare due to congenital abnormality.

 

There are lots of reasons why you need to have a thoroughbred insurance and stallion insurance, but two of them is that you can set up a competitive price in the industry, and it is also to protect whatever losses you get during the time when you are breeding your mares and stallions, infertility issues and many more. These insurances also meant to protect the owner, which is you, from the unpredictable behavior of the horses. They may cause injury to your property without any warning.

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Preparing Your Horse with the Right Insurance

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Equestrians really love what they are doing and they can never complete the show without their beloved horse. Their horse is already like a brother or a sister to them; an extension of their body that creates top performances to wow the audience. After every show, equestrians praise their horse, talk to them to say that they have done a good job in completing an event. But the horse is like the humans, too. They get sick when they are infected with bacteria and viruses. So you get an insurance that covers the horse’s medical bills. These insurances are also used whenever the equestrian’s horse gets sick, but there are limitations to that, too. When the horse gets into an accident and injured itself during the show, most insurances will not cover for it. If you are an equestrian, you need to find an insurance that is designed to financially recover your horse from getting injured during the show. In this case, you will need to look for a showjumping insurance and eventing insurance.

 

Some equestrians have acquired their showjumping insurance and eventing insurance from the time they first got their horse. The provider of the horse mostly has connection with the right insurance if they know you are going to use the horse for a showjumping event. They contact the right insurance and will help arrange a meeting for you so that you will have an idea which is the right coverage to choose for your horse. Of course, you do not have to purchase every policy they offer to you; you just have to choose the ones that you see are very important for your horse. But when you do not have any idea what the horse really needs at the time when the show starts and an accident happens, you will only be purchasing policies blindly and end up with something that is not suitable for your horse at all.

 

You also need to know that horse insurance is different from showjumping insurance and eventing insurance. The horse insurance covers your horse’s straying, death or theft with a fixed value, depending on the insurance company that you are dealing with. Since equestrians have different needs, you will have your own set of needs, too, especially if you are into a different kind of equestrianism. For showjumping insurance, you will be presented with two types of cover, although other insurance companies will provide you with more than two packages designed to specifically cover your horse during the showjumping event.

 

Since there are two insurances, showjumping insurance and eventing insurance, the latter is another insurance you will need in the case your horse gets into an accident during the competition. It would be extremely expensive if you do not cover the right policy to your horse in the case that they get into an accident. If your equestrian needs are more specialized, the more you are going to need an insurance geared towards your specialty. It has almost similar insurance policies with showjumping insurance, but the content is different. Talk to your agent and discuss things carefully so that you can protect your horse the right way.

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5 Reasons Why You Need Bloodstock Insurance and Broodmare Insurance

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Interested but having doubts of getting bloodstock insurance and broodmare insurance? If you just need encouragement or information that can help you decide, then you are exactly in the right place. There is no right or wrong choice when it comes to insurances because it is up to you, and it is your properties. The best choice is up to you, not because you need it but because you know what you are dealing with. This information may help you get what you need whether to get insurance or not.

These are the reasons why you should avail bloodstock insurance and broodmare insurance for your property. This will help you get knowledgeable of the risk you will get without insurance in your properties.

  1. Unpredictable Nature – we will never know when circumstances come, but you can always prevent and get ready from everything that may happen. This is why getting the right insurance company for your properties is important because you will never predict what nature is going to give you, might as well prepare for everything that may come, get your properties insured and choose the right or trusted insurance company to protect yourself.
  2. Covers Your Loss – when you get insurance company called bloodstock insurance and broodmare insurance. You will be able to cover your loss in times of needs. Of course, you have to pay the price in advance or ask their insurance services before you can avail it. This will help you gain the things that you have lost in nature’s call, damage, injury, accident or any circumstances that will come.
  3. Injury, Damage or Death – it is important to any horse owner to have their properties secured and insured with the right insurance company, because there will be a time that your properties will be damaged, injured or even die for some reasons. You need to be ready in any instances that will happen by getting the right insurance that provides the coverage that you need, but you should also pay the price for the certain coverage you want for your properties.
  4. You Rest Your Head from Worries – you will be able to rest your head from worries when you get insurance for your properties. It will be easier for you to bring back the lost things because they have coverage of your properties and they will help you get back on your knees when you need it.
  5. Ready From Any Instances – when you have bloodstock insurance and broodmare insurance, you will be ready for anything that will come such as unexpected natural disaster, when properties are damaged, your horses are injured or whatever the reasons are. You have someone behind you who will save you from any loss. As long as you pay the price, you will get what you need.

If these following do not convince you to take insurance for your properties, then don’t get it. You can also save your money and regain the loss by using what you have saved, rather than paying insurance every month. The decision is yours, and if you think you can handle it without insurance then do what you think is the right thing to do.

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Fast Facts About Horse Insurance and Equine Insurance

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Have you noticed that whatever humans place value on, there would almost always be a type of insurance related for it? We put value on human health and lives so we have health insurance and life insurance, respectively. We value or cars and homes so there is also insurance for houses and automobiles. Even Heidi Klum has insured the most valuable part of her body – her legs. So it is no surprise that horse breeders, equestrians and the like value their horses so much that they enroll their stallions and mares to horse insurance and equine insurance.

But what exactly is horse and equine insurance? What are the inclusions in a horse or equine insurance policy? What are the benefits, and how much do you need to spend on your horses? Read on and find out.

Horses, from the beginning of time have been considered valuable animals that is why they cost so much – it’s because they are worth so much. Whatever the reason you may have for purchasing a horse, whether for breeding, for races ,or just for the pleasure of their company, these animals are a substantial investment that is surely worth protecting. And the best way to protect them is to get an insurance policy for them. One good thing about insurance companies who offer horse or equine insurance is that you can either have a policy that is tailor made for what you think your horses need or you can get a comprehensive insurance package that covers all possible perils that horses face. Some insurance coverage for horses include the following: animal mortality coverage, emergency colic surgery expense coverage, major medical expense coverage, surgical expense coverage, loss of use coverage, accident, sickness and disease coverage, coverage extension for newly purchased animal and increased mare valuation. Though the description of the coverage varies from policy to policy and from insurance company to another, there are aspects of each coverage that are similar. In Animal Mortality Coverage, the horse is covered in a broader sense, including accidents, injuries, sickness and disease. There are companies that cover horse theft under this coverage also. Under Animal Mortality Limited Coverage, from the term itself, coverage will be limited according to the ones listed in the policy, like natural weather disasters such as lightning, windstorms or man made disasters like accidental shooting and the like. Emergency Colic Surgery Expense Coverage is pretty self explanatory and for Major Medical Expense Coverage, veterinary medical and surgical expenses are covered, but usually only for covered accidents, sickness or injuries. In ordinary Surgery Expense Coverage, the amount being covered differs while in the Loss of Use Coverage, coverage is provided for a covered horse who has been identified as unfit for its first use previously defined in the policy. Stallions are usually the ones covered in the policy for Accident, Sickness and Disease Coverage, especially if they become incapable of stud service while in Increased Mare Valuation, the limit of insurance on a specifically listed mare is increased to include the the cost of embryo for a specified pregnancy.

 

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