| Horse riders usually anticipate the pleasure of riding, the | | | | travel. |
| joy of their partnership with a noble creature. Once | | | | Riding schools provide an example of a unique situation |
| astride any horse, the height registers with pleasure or | | | | for horse riders and their equestrian insurance needs. |
| awe, and sometimes trepidation. Whatever the feeling, | | | | Schools can require riders to sign a waiver releasing |
| most can agree there's no denying: it's a long way | | | | them from any liability or responsibility to pay for |
| down to earth. That one tall fact is a more obvious | | | | injuries to the rider. Just as these institutions recognize |
| reason why horse riders need insurance. Whether | | | | the risk, student riders would do well to follow their |
| horse owner or not, the rider needs protection from | | | | example. An inexperienced and nervous rider can |
| possible accidents. But that's not the only concern | | | | cause a series of mishaps simply due to inability to |
| riders must face when venturing into any equestrian | | | | correctly handle unforeseen circumstances. And |
| opportunity. | | | | although horses are typically gentle creatures, there |
| Besides the rider, the horse is a potential liability. Any | | | | are exceptions as well as exceptional moments when |
| mishap that injures the horse adds the extra burden of | | | | startling noises or activities can cause a domino effect. |
| vet costs, whether the horse is owned by the rider or | | | | Each resulting reaction reinforces why horse riders |
| simply borrowed. Because the rider is responsible and | | | | need insurance no matter the nature of the horse. In |
| potentially liable for a horse's injuries, possible | | | | such circumstances, simple personal rider's protection |
| circumstances clarify why horse riders need insurance. | | | | can be purchased. |
| More significantly, horse and rider even risk total | | | | Costs of plans vary for riders based on age and |
| debilitation depending on the severity of injury. | | | | levels of experience. Unique coverage options reflect |
| Insurance coverage usually applies for ages five to | | | | the diversity of possible situations and budgets. |
| seventy-five and can provide coverage for any | | | | Ultimately, the reasons why horse riders need |
| number of possible needs including: 1) permanent total | | | | insurance are as understandable as those reasons |
| disability, 2) liability, 3) personal accident, 4) dental care, | | | | accepted for car insurance. In spite of the inevitable |
| 5) saddler and tack, 6) vet costs, 7) school fees, 8) | | | | risks, horse riders can rest easy knowing insurance will |
| monthly or annual premiums and 9) custodial liability. | | | | cover the most basic or detailed needs so the highest |
| Some coverage can be enhanced to include | | | | vistas can be peacefully enjoyed. |
| participation in competitions and shows as well as | | | | |