Horses are amazing animals. Despite their sometimes overwhelming size, they are generally docile and intelligent. That makes them an excellent companion animal for many people. Whether you are just getting started with horses or you’ve been around them for years, there are some basics to their care and feeding that should never be overlooked.
1. Appropriate Shelter
Horses do well with at least a minimal amount of shelter from the elements. What type of horse housing you decide on will depend on a number of factors, with your climate playing largely into the choice. Fencing should be strong enough to withstand pushing, clearly marked so horses can see it even at top speeds and high enough to limit their ability to jump out. Barbed wire should be avoided since it can puncture horses’ thin skin.
2. Routine Veterinary Care
Just like people and most household pets, horses also need routine veterinary care. You should plan on an annual vet visit for vaccinations and a dental check. Because large animal vet bills can add up quickly it is a good idea to get a horse insurance quote and work that amount into your budget.
3. Plenty of Roughage
While most people think of horses eating grain pellets, apples and carrots. the majority of their diet is made up of hay or grass forage. In fact, most adult horses will eat one to two percent of their body weight in roughage each day. Learn the rules of feeding to make sure you are meeting your horse’s nutritional needs, and adjust amounts of schedules as needed. Always offer free access to clean water and encourage them to drink by providing salt supplements.
The right combination of high-quality food, veterinary care and proper shelter can help your horse live a long and healthy life. That means you get even more time to spend with your best equine friend.…
Horses can be insured against death and theft, medical expenses, infertility and loss of use. Personal, trainer, rider and property liability insurance may also be purchased. Therefore, owners need to choose the right insurance agent and weigh horse insurance cost against the value of the animal prior to purchasing insurance. Responsible horse owners should also understand the horse insurance process.
Choosing an Agent
Horse insurance agents should be reputable, knowledgeable, licensed to do business in the state and experienced in the horse insurance industry. Horses in some disciplines, such as rodeo, may be difficult to insure. In this instance, working with a company that is not licensed to do business in the state is acceptable as long as the company is reputable. A local vet may offer recommendations.
Choosing a Policy
Premiums are typically based on sex, value, age, health records and use of the horse. However, owners should not choose a policy based primarily on cost because policy conditions and coverage vary widely. They should also carefully research the policy’s fine print. For example, some policies only allow euthanasia in certain circumstances or require notice of an injury within a specific period. In addition, they should evaluate the value of the horse, including its training costs; show, competition and breeding records; purchase price; and market value, because the owner must be able to prove this value to the insurance company.
Horse owners should have basic knowledge of the horse insurance industry, including industry terminology. They should also keep detailed records of income and expenses related to each of their horses. They should disclose any previous injuries or health issues to the insurance company prior to signing for their insurance. Finally, they should learn how to make a claim because there may be time and procedure limitations.
If losing a horse will result in a significant financial cost or you have invested money and time into training, breeding or caring for a horse, consider purchasing horse insurance. However, carefully choose your agent and policy and commit to being a responsible horse owner and policyholder.…