Equine Insurance 

Whether your horse is a pet or a business resource, ownership is expensive and time consuming. No one likes to think about the possibility of something going wrong, but the truth is that horses are at risk for accidents and injuries. Equine insurance may not be able to remedy heartbreak, but it can lessen the economic impacts should your horse run into trouble. G5 Insurance Agency proudly offers equine insurance to customers in New York, New Jersey and Pennsylvania. Call 845-842-1226 to learn more or get a quote.

Types of Equine Coverage

Equine insurance includes several types of coverage for your horses including:

Horse Mortality Insurance 

The equivalent of human life insurance, mortality insurance covers the death of the horse.

Loss of Use Equine Insurance

If permanent incapacitation prevents using the horse for its intended purpose, loss of use insurance pays on a percentage basis.

Major Medical Horse Insurance

This covers veterinary bills, like health insurance for humans.

Equine Surgical Insurance 

Policies are available for specific surgical procedures

Horse Breeding Infertility Insurance

If you plan to breed your horses, this insurance covers reproductive failure.

Specified Perils Insurance For Horse Owners

From fires to lightning strikes, specified perils insurance is available for a wide variety of tragedies.

Equine Insurance Coverage Requirements

Veterinary Exam Requirements For Coverage

A veterinary exam may be required in order to issue a policy. Check the requirements carefully, as specific exams may be required for different types of insurance coverage. The cost of the exam and any necessary tests is your responsibility.

Euthanasia Notification & Pre-Authoriztion

If your horse is undergoing severe and incurable suffering, euthanasia may be the most humane option. The AAEP (American Association of Equine Practitioners) has set out guidelines for evaluating the necessity of euthanasia, and your insurance policy may require advance notification and perhaps a second opinion before authorizing this option.

Understanding Your Equine Insurance Policy

All insurance policies are slightly different, and you are responsible for following the guidelines set forth in your policy. Make sure you understand how long you have to report health problems, whether prior approval is required for any procedures, what documentation you must submit with claims, your out of pocket costs, and what situations (such as international travel) may preclude coverage. 

For many people, their horses are like members of the family. For others, they represent significant business interests. Whatever the nature of your relationship with your horse, it is crucial that you understand and willingly undertake the financial, time, and resource commitments involved with ownership. Equine insurance is a smart way to help guard against unexpected financial losses.

Call 845-842-1226 to learn more or get a quote.

It is a pleasure doing business with Eric Goldstein. Eric is knowledgeable in all aspects of the insurance industry and he works tirelessly to get us the best possible coverage, while looking to help save us money. Eric would even offer us new types of insurances that we never thought of, upon renewal; like Cyber insurance, to make sure that our company was protected completely as his client.

Michele Elliott, VP of HR & Finance

We have worked with Eric for 10+ years and even being out of state we always felt we were a priority and our insurance needs were handled in a professional manner.

Pegeen Luther, Natrel Comm.

We have used Eric Goldstein for our business insurance needs for the past ten years and just recently moved all of our personal insurance to him as well. During that time he has been professional, very approachable and always knowledgeable about the business, ensuring we get the best rates and products available.  He and his staff are extremely easy to work with and always get you what you need in a timely manner.

Julie Wittenberg, COO

I have had the pleasure of working with Eric for my vehicle insurance for a few years now, after a nightmare with my last broker, Eric swooped in, took over my account and put my mind at ease. Eric put in time and consideration when looking for a policy that fit my needs and my wallet. I highly recommend Eric, he is not only personable but also very business savvy.

Jennifer Edwards, Livingston Manor, NY
Person paragliding over water

I have worked with Eric for more then a decade.  Every interaction is easy, simple and informative.  When I have had to file a claim Eric is there to assist and then to follow up directly.  Effectively, all of the headaches that accompany buying, needing or filing insurance claims are eliminated because of Eric.  I would highly recommend to anyone to utilize his services!

Adam Hait, President at Schraft's 2.0

For 7 years we’ve worked with Eric Goldstein for all our insurance needs.  Eric is a trusted business consultant for our companies and always leads us in the right direction to protect all our business and personal interests. It’s not very often you can find someone that answers their cell phone 24 hours day/7 days a week.  He is always personally there to help with anything that comes about, taking time and patience to walk us through. We can assure you that using this company will be a great decision for your insurance needs.

Nancy Price, Office Manager at Jus-Sar Fuel, Inc.