Equine insurance is utilized by many horse owners, whether the horse is kept for competition, breeding, or as a family pet.
With the EHV-1 outbreak across the United States and Europe, many horse owners are considering insuring their horses. But would insurance cover a horse that may have been exposed to a contagious disease? Horse Network recently delved into that question.
Each insurance carrier has its own set of rules regarding insuring a horse during a contagious disease outbreak; some may have a heightened sense of awareness about where the horse is located and what it has been exposed to, while others proceed with business as usual.
Insurance agencies and carriers deal with viral disease outbreaks similarly to how they handle weather events: they cover exactly what they say they will cover for current customers – nothing changes. However, they may limit their risk by not accepting new clients in the storm's path.
Insuring a horse that has been imported from Europe, where the EHV outbreak is intensifying, may not be possible, so contacting an equine insurance company before the import is planned is imperative.
Read more at Horse Network.
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