The article emphasizes the importance of preparing for unexpected equine health and safety issues in 2026 by securing horse insurance. It highlights that accidents, including pasture injuries, and colic are leading causes of mortality among horses, affecting all types and values of horses regardless of care quality. Mortality insurance, which typically costs a few hundred dollars annually depending on the horse’s use and value, can cover death and emergency colic surgery costs. Additionally, equine medical and surgical insurance can help offset significant veterinary expenses related to injuries, illnesses, and surgeries, providing financial relief during difficult decisions about a horse’s care.

The author advises horse owners to take preventive measures such as maintaining safe turnout areas, monitoring weather conditions, managing diet and parasite control, and watching for signs of gastric ulcers to reduce risks. Given the substantial investments owners make in their horses, the article advocates for treating horse insurance as a vital part of responsible ownership, akin to insuring other major assets like vehicles and property. Marshall+Sterling, the USEA’s official equine insurance provider, offers tailored coverage options and expert support to help owners protect their equine partners and finances.