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What is equine insurance?

Equine insurance is specialty coverage for horse owners and equestrian operations. The four main products are mortality (pays the owner if the horse dies from accident or illness, similar to life insurance), major medical and surgical (covers vet bills above a deductible), loss of use (pays if the horse can no longer perform its intended use), and equine liability (covers bodily injury or property damage caused by the horse, including riding instruction and boarding operations). Coverage is sold based on the horse's appraised value, age, and use.

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