The Need for Health Insurance for Horses Owning a horse can be one of the most rewarding experiences in someone’s life. At the same time, it can also be one of the most expensive. Having a horse is a major investment and the best way to protect that investment is by making sure the animal is properly insured. In some cases, when a horse becomes ill, it’s simply economics that stands in the way of the animal’s treatment. An owner simply might not have the funds necessary to procure proper medical care. For this reason, health insurance for horses is a valuable tool to for all horses owners to have available. There are insurance companies, such as the Ark Agency, which provide any number of important types of insurance for equines and the professionals who own them. When a horse is insured, as soon as an injury or illness occurs, treatment from a licensed professional can commence. Unfortunately, the horse is not insured, it can sometimes be time-consuming to try to raise the necessary funds to treat the animal. Just like with human insurance, however, there are always conditions that might prevent insurance claims from being approved. Sometimes, there is a pre-existing condition that might not be covered. Another aspect of horse insurance is that it is a “year-to-year” coverage. That means that each time it is renewed, it is possible that what was insured the previous year might now be classified as a “pre-existing condition” for the current year of coverage. Not all pre-existing conditions will last throughout the horse’s lifetime. One example of this is colic. If a horse has colicked, an insurance company might state that the horse can be treated for colic after a certain length of time has passed without the horse having encountered any further problems. The bond between horse and owner is a precious and powerful one. Lack of financial resources should never be a factor when considering whether or not a horse should undergo medical treatment.