Equine Insurance Calculator

Coverage and premium from horse value and use.

Horse value ($)

Horse age (years)

Use (0=pleasure, 1=training, 2=competition, 3=breeding)

Mortality coverage (0 or 1)

Major medical (0 or 1)

Surgical coverage limit ($)

Tab to move between fields

Annual premium ($)

$1,350.00

≈ 10 pairs of sneakers

Mortality premium ($)$900.00

Medical premium ($)$225.00

Monthly cost ($)$112.50

How to Use This Calculator

Enter the Horse Value ($) — use a current appraisal or purchase price.
Input Horse Age (years) — premiums increase significantly above age 15.
Select Use (Pleasure, Training, Competition, or Breeding).
Toggle Mortality Coverage, Major Medical, and set Surgical Coverage Limit ($).
Review Annual Premium ($) to compare quotes from multiple equine insurance providers.

How the result changes with Horse value ($)

Horse value ($): Appraised or purchase value of the horse.
Horse age (years): Current age of the horse.
Use (0=pleasure, 1=training, 2=competition, 3=breeding): Primary use affects risk classification.
Mortality coverage (0 or 1): Include mortality and theft coverage.
Major medical (0 or 1): Include major medical/surgical coverage.
Surgical coverage limit ($): Maximum surgical coverage amount.

Identify Input Parameters
4 parameters
Horse value ($) = 25000, Horse age (years) = 8, Use (0=pleasure, 1=training, 2=competition, 3=breeding) = 2, Mortality coverage (0 or 1) = 1 = 6 input(s) provided
Calculate Annual premium
Annual premium = round((mortalityPremium + medicalPremium + lossOfUsePremium) * 100) / 100
1350 = $1,350
Calculate Mortality premium
Mortality premium = mortalityCoverage * horseValue * baseMortalityRate
900 = $900
Calculate Medical premium
Medical premium = majorMedical * (surgicalLimit / 10000) * 225
225 = $225