Section Key Points Age Limits for Horse Insurance Full mortality and medical/surgical coverage typically offered for horses ages 18 to 20. Premiums increase after 15. Increased Premiums and Coverage Limitations Premiums rise significantly after age 15. Major medical may have exclusions like colic coverage. Veterinary Certificates and Health Assessments Veterinary certificate required for older horses or insured value over $100,000. Types of Coverage for Older Horses Specified Perils Policy and Surgical Only Insurance as alternatives to full coverage. Adjusting Insured Value Justification of Value form and veterinary certificate needed for value increase over $100,000. Considerations for Insuring Older Horses Weigh cost vs. benefit, consider health status and alternative coverages. Conclusion Insuring older horses is possible but challenging. Understand limitations and consult with an agent. Is 15 Too Old to Insure Your Horse? Exploring Options for Older Equine Coverage When it comes to insuring your horse, age can play a significant role in determining the availability and cost of coverage. Ensuring your horse's financial protection becomes particularly crucial as they age. If your horse is approaching or has surpassed the age of 15, you might be wondering if it is still possible to insure them and what options are available. Age Limits for Horse Insurance Most insurance companies offer full mortality and medical/surgical coverage for horses between the ages of 18 to 20, depending on the insurer. For instance, Markel insures horses with full mortality and medical benefits through the age of 18, although premiums start to increase after the horse turns 15. Nevertheless, rates and conditions can vary among different insurance companies. Increased Premiums and Coverage Limitations As your horse ages, particularly after reaching 15 years old, expect changes in your insurance policy: Premium Increases: Due to the increased likelihood of health issues and risks associated with older horses, insurance premiums tend to rise significantly after the horse turns 15. Coverage Limitations: While major medical coverage might still be available, certain exclusions such as colic coverage might be applied to older horses. Elective procedures and alternative medicines are typically excluded. Veterinary Certificates and Health Assessments For horses under 15 years old, a veterinary certificate is usually not required at renewal unless there have been claims or the horse's insured value exceeds $100,000. However, for older horses or those with health issues, a veterinary certificate is often mandatory. Types of Coverage for Older Horses Despite challenges with full coverage, there are alternative options for insuring older horses: Specified Perils Policy: Covers death due to specific perils like fire or lightning. Its more affordable and targeted, especially for horses over 18. Surgical Only Insurance: For those who cannot afford full major medical insurance, this policy reimburses unexpected surgical expenses. Adjusting Insured Value If your horse increases in value due to training or competition, you'll need to justify this increase. This often involves a Justification of Value form and a veterinary certificate if the insured value exceeds $100,000. Considerations for Insuring Older Horses When deciding whether to insure your older horse, consider the following: Cost vs. Benefit: Evaluate if increased premiums are justified by the potential benefits. Health Status: Ongoing health issues can lead to exclusions or debited rates by the insurance company. Alternative Coverages: Consider if specified perils policy or surgical-only coverage might be better suited for your horse. Conclusion Insuring a horse at or beyond 15 is not impossible but does carry certain challenges. By understanding age-related limitations, increased premiums, and veterinary certification requirements, you can make informed decisions about your horses insurance. Consult with an agent who has access to multiple underwriters to protect your horse while managing costs. ```html```

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Wilmington, Ohio The R+L Annex Arena at World Equestrian Center Wilmington once again played host to the anticipated WEC Medal Final of Midwest Indoors II. Riders qualified throughout the year in Wilmington in two sections; the WEC Medal Final 3-33 and the WEC Medal Final 2-26. Winners of the class were crowned after their equitation and rideability was tested over a track designed[...]Read MoreThe post World Equestrian Center Wilmington 2024 Medal Final Winners Crowned at Midwest Indoors II appeared first on World Equestrian Center.

November 16, 2024 Ocala, FL Just 0.1 percentage points separated the U.S. riders Jennifer Williams and Charlotte Jorst in the Grand Prix Special on Saturday, November 16, at the World Equestrian Center Ocala (WEC) November Dressage CDI3* presented byHampton Green Farms. Williams presided in the tussle to top the leaderboard on Joppe Partners LLCs Rousseau 10-year-old, Joppe K with 68.064%, repeating their[...]Read MoreThe post Williams Comes Out on Top in Tight Tussleat World Equestrian Center Ocala November Dressage CDI3* Show appeared first on World Equestrian Center.

Wilmington, Ohio Saturday of Midwest Indoors II at World Equestrian Center Wilmington proved to be a historic day for Luke Rinehart (USA) as he marked his first career grand prix win with Captain America 10 (Contendro) in the $30,000 Grand Prix. The day was not only special because of his win, but he was one second quicker than his father, Richard Rinehart (USA),[...]Read MoreThe post Luke Rinehart Marks First $30,000 Grand Prix Win at WEC Wilmington Midwest Indoors II appeared first on World Equestrian Center.

Ocala, FL The WEC Grand Arena at World Equestrian Center Ocala was buzzing with energy as exhibitors and spectators gathered for the $75,000 Barnwalkers Grand Prix during Week II of the 2024 November Show Series. A thrilling seven-horse jump-off had the crowd on the edge of their seats, culminating in a dramatic finish when last-to-go Richard Spooner (USA) clinched the win aboard Molly[...]Read MoreThe post Richard Spooner and Halcon Seal Victory in $75,000 Barnwalkers Grand Prix appeared first on World Equestrian Center.