08/06/2026
A little equine insurance tip from your friendly insurance agent…
One of the biggest misconceptions I hear is, “I have to wait until my policy renews to make any changes.”
Most of the time, that’s simply not the case.
Depending on the insurance company, you may be able to make changes throughout your policy term, such as:
✔️ Adding a horse
✔️ Removing a horse
✔️ Adjusting an insured value
✔️ Removing medical coverage
✔️ Adding medical coverage (when the carrier allows it)
The biggest exception is if a medical claim has already been filed on that horse. Once that happens, the medical premium is generally considered fully earned, so those coverages typically can’t be removed.
Every company has different guidelines, which is why it’s so important to have an agent who takes the time to explain your options, not just sell you a policy.
I always tell my clients: Ask the questions. Review your coverage. Make sure your policy still fits your horses, your goals, and your budget. That’s exactly what I’m here for.
My goal isn’t just to insure horses, it’s to help horse owners understand their coverage so they can make the best decisions for themselves and the horses they love. 🖤
