Horse Insurance designed around care, not cost

A woman in a cowgirl hat pets a brown horse in a riding arena at sunset.

Coverage built for Your Horse

From early mornings at the barn to quiet moments after a ride, horses become part of our lives in ways few animals do.

Horse insurance from the ASPCA® Pet Health Insurance program helps horse owners prepare for eligible veterinary expenses with customizable coverage options and no mortality insurance requirement.

Unlike traditional equine mortality policies, our plans focus on your horse’s health and veterinary care needs, from injuries and illnesses to unexpected emergencies like colic.

Colic Coverage Included in Every Plan

Colic can happen without warning, and quick veterinary care can make a difference. Both available horse health insurance plans include coverage for colic-related veterinary expenses.

Colic + Accidents

Helps cover eligible veterinary expenses related to colic, accidental injuries, toxic ingestions, trailer accidents, and other unexpected accidents.

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Colic + Accidents + Illnesses

Includes colic and accident coverage, plus coverage for eligible veterinary expenses related to illnesses, hereditary conditions, cancer, Cushing’s Disease, and more.

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Add Preventive
Care Coverage

For an additional cost, horse owners can add Preventive Care coverage to help with eligible routine veterinary wellness expenses, including vaccines, dental floating, and annual wellness exams.

how does horse insurance work?

Our horse insurance plans work in 3 easy steps:

Visit

Have your horse examined or treated by the veterinarian of your choice and pay as usual.
Submit

Use our app to submit a claim, even before you leave the veterinary clinic.
Cash Back

Receive any reimbursement owed to you by direct deposit or check.