Insurance and horses encompass a range of policies designed to mitigate financial risk associated with horse ownership and management. These insurance policies can cover various aspects, including mortality, medical expenses, liability, and loss of use. Mortality insurance provides coverage in the event of a horse's death due to illness, injury, or accident. Medical insurance covers veterinary costs for treatments and surgeries, while liability insurance protects horse owners against legal claims arising from injuries or damages caused by their horses. Loss of use insurance compensates for the diminished economic value of a horse unable to perform its intended function. This page compiles peer-reviewed research studies and scholarly articles that explore the types, benefits, and considerations of equine insurance policies.
Flunker JC, Clouser JM, Swanberg JE.Thoroughbred horse farm workers self-report a high frequency of work-related injuries and pain. However, an analysis of Thoroughbred horse farm workers' compensation injury claims is absent from the literature, yet may benefit worker safety. We analyzed workers' compensation insurance firm data containing 2276 claims filed between 2008 and 2015. Injury frequency, cost, and lost time per cause, nature, and body part injured were examined qualitatively and via univariate tests. Factors associated with high cost and high duration lost time claims were modeled via multivariable logistic regression...
Barker I, Freeman SL.Colic is the most common emergency problem in horses. The aims of this study were to survey costs of different referral treatments and to review insurance policies relevant to horses with colic. Data were collected retrospectively from nine equine hospitals for case costs, categorised into four different outcomes: admitted and euthanased; euthanased during or immediately after surgery; medical treatment and survived more than 24 hours; and surgical treatment and survived more than 24 hours. Data from five UK equine insurance companies were extracted and analysed using a standardised case e...
Reef VB.Arrhythmias detected on prepurchase examination should be confirmed with an ECG. Exercising ECG determines if the arrhythmia is overdriven during exercise or is a safety concern. An echocardiogram is needed in all horses with a grade 3/6 or louder mid to late systolic, holosystolic, or pansystolic murmur or any holodiastolic decrescendo murmur to identify the cardiac abnormality and its hemodynamic impact. Most horses with arrhythmias and murmurs have a normal performance career and life expectancy and are insurable. Risks for sudden death and congestive heart failure associated with the commo...
Hitchens PL, Curry B, Blizzard CL, Palmer AJ.The profession of a horse-racing jockey is a dangerous one. We developed a decision tree model quantifying the effects of implementing different safety strategies on jockey fall and injury rates and their associated costs. Methods: Data on race-day falls were obtained from stewards' reports from August 2002 to July 2009. Insurance claim data were provided by Principal Racing Authorities and workers' compensation authorities in each jurisdiction. Fall and claim incidence data were used as baseline rates. The model considered (1) the status quo, in which policy was unchanged; and (2) compared it...
Lönnell C, Roepstorff L, Egenvall A.Lameness is the most commonly diagnosed condition in equine veterinary practice. To examine whether variations in management and husbandry strategies in riding schools could influence wastage due to orthopaedic injury schools with high (HUIO) or low (LUIO) insurance claims for orthopaedic injuries (as an indirect measure of wastage) were compared epidemiologically using an extensive questionnaire and field study visits. Schools differed in management strategies and these influence injury rate and longevity. For horses in the LUIO schools a significantly longer time period had elapsed since acq...
Egenvall A, Nødtvedt A, Roepstorff L, Bonnett B.In a world of limited resources, using existing databases in research is a potentially cost-effective way to increase knowledge, given that correct and meaningful results are gained.Nordic examples of the use of secondary small animal and equine databases include studies based on data from tumour registries, breeding registries, young horse quality contest results, competition data, insurance databases, clinic data, prescription data and hunting ability tests. In spite of this extensive use of secondary databases, integration between databases is less common. The aim of this presentation is to...
Egenvall A, Lönnell C, Roepstorff L.The incidence of disease, mortality and survival of horses, focusing on locomotor problems, at riding schools were studied, using data from an animal insurance database during 1997-2002. In total 5140 horses from 136 riding schools were included in the analysis. The overall yearly incidence rate (IR) was 1584 events of veterinary care per 10,000 horse-years at risk (HYAR). The total and diagnostic mortalities were 790 and 763 deaths per 10,000 HYAR. Rates varied substantially among riding schools. For locomotor problems the rates were 1116 events of veterinary care and 524 deaths per 10,000 HY...
Egenvall A, Penell J, Bonnett BN, Blix J, Pringle J.Colic is an important cause of morbidity and mortality in horses. In Sweden, an insurance database with diagnostic medical information is maintained on >30% of the nation's horse population. Objective: The objective was to describe the occurrence of colic, defined by costly veterinary care and life claims, in horses at 1 insurance company during 1997-2002. HORSES: All horses (<21 years of age) with complete insurance for veterinary care and life during the period 1997-2002 were included. Methods: Colic was defined as conditions where the main clinical sign was abdominal pain and the prob...
Turner M, Balendra G, McCrory P.To determine the direct and indirect cost of injuries in professional jockeys as a result of race riding. Methods: Cohort study. Methods: Professional horse racing. Methods: Professional jockeys in the UK registered with the Jockey Club. Methods: Payouts under the Professional Riders Insurance Scheme (PRIS) for injuries sustained by professional jockeys, which were recorded by the Jockey Club injury database between 1996 and 2006 inclusive. Results: In the 11-year period of the study, there were 1328 injuries that resulted in jockeys missing a total of 71,509 days of racing, and as a result PR...
Egenvall A, Bonnett B, Wattle O, Emanuelson U.Our objective was to determine the amount, type and cost of veterinary care during a 5-year follow-up period, in Swedish warmblooded riding horses with and without locomotor problems as recorded in 1997. The study population comprised horses with complete insurance both for veterinary care and life during 1997. The horses were followed from the beginning of January 1998 to the end of December 2002. The exposed cohort was composed of 1558 horses that had experienced >or=1 veterinary-care event because of locomotor problems in 1997 (LP-cohort). The exposure-negative (LN) cohort was composed of 1...
Egenvall A, Bonnett BN, Olson P, Penell J, Emanuelson U.Our objective was to estimate the 5-year survival to death in insured warmblooded riding horses (as reflected by a life-insurance claim) in horses with or without at least one costly veterinary-care event (VCE) in 1997. We also determined the impacts of gender, age, previous diagnosis of veterinary claim, geographic variables, cost for veterinary claims and life-insurance value upon the survival. The design was a retrospective cohort study using a population of warmblooded riding horses insured in a Swedish animal-insurance company (Agria Insurance, P.O. 70306, SE-107 23 Stockholm, Sweden) in ...
Egenvall A, Penell JC, Bonnett BN, Olson P, Pringle J.The aim of this study was to evaluate the potential usefulness of the database maintained by the Swedish insurance company Agria for providing mortality statistics on Swedish horses. Mortality statistics (incidence rates and survival) were calculated, both crudely and stratified by sex, age, breed, breed group and diagnosis, for the horses with complete life insurance, which covers most health problems. The total mortality was 415 (95 per cent confidence interval [CI] 399 to 432) deaths per 10,000 horse-years at risk, and the diagnostic mortality, including only deaths with an assigned diagnos...
Egenvall A, Penell JC, Bonnett BN, Olson P, Pringle J.The aim of this study was to evaluate the potential usefulness of the database maintained by the Swedish insurance company Agria for providing disease statistics on Swedish horses. The demography of the horses insured for veterinary care during the period 1997 to 2000 was recorded and the incidence of morbidity, defined as horses that required veterinary care that cost more than the policy excess, was calculated. Yearly incidences were calculated for horses that required veterinary care at least once, first overall, and then for horses with complete insurance, by sex, age, breed group, breed, ...
Heath TJ.To give an account of the views held by Australian veterinarians who work with horses on the future of their professional field. Methods: Questionnaires were mailed to 866 veterinarians who had been identified as working with horses, and 87% were completed and returned. Data were entered onto an Excel spreadsheet, and analysed using the SAS System for Windows. Results: Their future prospects were believed to be very good or excellent by >60% of equine veterinarians but by only 30% of mixed practitioners seeing < 10% horses. The main factors believed likely to affect these prospects were ...
Wingfield Digby NJ, Simons MA, Stockman MJ.Various type of insurance policies covering the risks against mortality, economic slaughter and loss of use, breeding failures and payment of veterinary fees are discussed. The role of the veterinary surgeon in supplying certificates of health and in relation to claims, including those involving destruction on humane grounds, are considered.
Egenvall A, Penell JC, Bonnett BN, Olson P, Pringle J.The aim of this study was to evaluate the potential usefulness of the database maintained by the Swedish insurance company Agria for providing mortality statistics on Swedish horses. Mortality statistics (incidence rates and survival) were calculated, both crudely and stratified by sex, age, breed, breed group and diagnosis, for the horses with complete life insurance, which covers most health problems. The total mortality was 415 (95 per cent confidence interval [CI] 399 to 432) deaths per 10,000 horse-years at risk, and the diagnostic mortality, including only deaths with an assigned diagnos...
Egenvall A, Penell J, Bonnett BN, Blix J, Pringle J.Colic is an important cause of morbidity and mortality in horses. In Sweden, an insurance database with diagnostic medical information is maintained on >30% of the nation's horse population. Objective: The objective was to describe the occurrence of colic, defined by costly veterinary care and life claims, in horses at 1 insurance company during 1997-2002. HORSES: All horses (<21 years of age) with complete insurance for veterinary care and life during the period 1997-2002 were included. Methods: Colic was defined as conditions where the main clinical sign was abdominal pain and the prob...
Turner M, Balendra G, McCrory P.To determine the direct and indirect cost of injuries in professional jockeys as a result of race riding. Methods: Cohort study. Methods: Professional horse racing. Methods: Professional jockeys in the UK registered with the Jockey Club. Methods: Payouts under the Professional Riders Insurance Scheme (PRIS) for injuries sustained by professional jockeys, which were recorded by the Jockey Club injury database between 1996 and 2006 inclusive. Results: In the 11-year period of the study, there were 1328 injuries that resulted in jockeys missing a total of 71,509 days of racing, and as a result PR...
Egenvall A, Penell JC, Bonnett BN, Olson P, Pringle J.The aim of this study was to evaluate the potential usefulness of the database maintained by the Swedish insurance company Agria for providing disease statistics on Swedish horses. The demography of the horses insured for veterinary care during the period 1997 to 2000 was recorded and the incidence of morbidity, defined as horses that required veterinary care that cost more than the policy excess, was calculated. Yearly incidences were calculated for horses that required veterinary care at least once, first overall, and then for horses with complete insurance, by sex, age, breed group, breed, ...
Hitchens PL, Curry B, Blizzard CL, Palmer AJ.The profession of a horse-racing jockey is a dangerous one. We developed a decision tree model quantifying the effects of implementing different safety strategies on jockey fall and injury rates and their associated costs. Methods: Data on race-day falls were obtained from stewards' reports from August 2002 to July 2009. Insurance claim data were provided by Principal Racing Authorities and workers' compensation authorities in each jurisdiction. Fall and claim incidence data were used as baseline rates. The model considered (1) the status quo, in which policy was unchanged; and (2) compared it...
Reef VB.Arrhythmias detected on prepurchase examination should be confirmed with an ECG. Exercising ECG determines if the arrhythmia is overdriven during exercise or is a safety concern. An echocardiogram is needed in all horses with a grade 3/6 or louder mid to late systolic, holosystolic, or pansystolic murmur or any holodiastolic decrescendo murmur to identify the cardiac abnormality and its hemodynamic impact. Most horses with arrhythmias and murmurs have a normal performance career and life expectancy and are insurable. Risks for sudden death and congestive heart failure associated with the commo...
Lönnell C, Roepstorff L, Egenvall A.Lameness is the most commonly diagnosed condition in equine veterinary practice. To examine whether variations in management and husbandry strategies in riding schools could influence wastage due to orthopaedic injury schools with high (HUIO) or low (LUIO) insurance claims for orthopaedic injuries (as an indirect measure of wastage) were compared epidemiologically using an extensive questionnaire and field study visits. Schools differed in management strategies and these influence injury rate and longevity. For horses in the LUIO schools a significantly longer time period had elapsed since acq...
Egenvall A, Bonnett BN, Olson P, Penell J, Emanuelson U.Our objective was to estimate the 5-year survival to death in insured warmblooded riding horses (as reflected by a life-insurance claim) in horses with or without at least one costly veterinary-care event (VCE) in 1997. We also determined the impacts of gender, age, previous diagnosis of veterinary claim, geographic variables, cost for veterinary claims and life-insurance value upon the survival. The design was a retrospective cohort study using a population of warmblooded riding horses insured in a Swedish animal-insurance company (Agria Insurance, P.O. 70306, SE-107 23 Stockholm, Sweden) in ...
Wingfield Digby NJ, Simons MA, Stockman MJ.Various type of insurance policies covering the risks against mortality, economic slaughter and loss of use, breeding failures and payment of veterinary fees are discussed. The role of the veterinary surgeon in supplying certificates of health and in relation to claims, including those involving destruction on humane grounds, are considered.
Barker I, Freeman SL.Colic is the most common emergency problem in horses. The aims of this study were to survey costs of different referral treatments and to review insurance policies relevant to horses with colic. Data were collected retrospectively from nine equine hospitals for case costs, categorised into four different outcomes: admitted and euthanased; euthanased during or immediately after surgery; medical treatment and survived more than 24 hours; and surgical treatment and survived more than 24 hours. Data from five UK equine insurance companies were extracted and analysed using a standardised case e...
Egenvall A, Bonnett B, Wattle O, Emanuelson U.Our objective was to determine the amount, type and cost of veterinary care during a 5-year follow-up period, in Swedish warmblooded riding horses with and without locomotor problems as recorded in 1997. The study population comprised horses with complete insurance both for veterinary care and life during 1997. The horses were followed from the beginning of January 1998 to the end of December 2002. The exposed cohort was composed of 1558 horses that had experienced >or=1 veterinary-care event because of locomotor problems in 1997 (LP-cohort). The exposure-negative (LN) cohort was composed of 1...
Egenvall A, Lönnell C, Roepstorff L.The incidence of disease, mortality and survival of horses, focusing on locomotor problems, at riding schools were studied, using data from an animal insurance database during 1997-2002. In total 5140 horses from 136 riding schools were included in the analysis. The overall yearly incidence rate (IR) was 1584 events of veterinary care per 10,000 horse-years at risk (HYAR). The total and diagnostic mortalities were 790 and 763 deaths per 10,000 HYAR. Rates varied substantially among riding schools. For locomotor problems the rates were 1116 events of veterinary care and 524 deaths per 10,000 HY...
Flunker JC, Clouser JM, Swanberg JE.Thoroughbred horse farm workers self-report a high frequency of work-related injuries and pain. However, an analysis of Thoroughbred horse farm workers' compensation injury claims is absent from the literature, yet may benefit worker safety. We analyzed workers' compensation insurance firm data containing 2276 claims filed between 2008 and 2015. Injury frequency, cost, and lost time per cause, nature, and body part injured were examined qualitatively and via univariate tests. Factors associated with high cost and high duration lost time claims were modeled via multivariable logistic regression...
Heath TJ.To give an account of the views held by Australian veterinarians who work with horses on the future of their professional field. Methods: Questionnaires were mailed to 866 veterinarians who had been identified as working with horses, and 87% were completed and returned. Data were entered onto an Excel spreadsheet, and analysed using the SAS System for Windows. Results: Their future prospects were believed to be very good or excellent by >60% of equine veterinarians but by only 30% of mixed practitioners seeing < 10% horses. The main factors believed likely to affect these prospects were ...
Egenvall A, Nødtvedt A, Roepstorff L, Bonnett B.In a world of limited resources, using existing databases in research is a potentially cost-effective way to increase knowledge, given that correct and meaningful results are gained.Nordic examples of the use of secondary small animal and equine databases include studies based on data from tumour registries, breeding registries, young horse quality contest results, competition data, insurance databases, clinic data, prescription data and hunting ability tests. In spite of this extensive use of secondary databases, integration between databases is less common. The aim of this presentation is to...
