I would be interested to know, from a horse owner standpoint, how many people choose to insure their horses for loss of use and/or major medical coverage versus straight mortality coverage?
I have insured my own personal horses for just mortality in the past, since as a veterinarian I can get my work done at a little better deal than the average horse owner. But, what horse insurance comes down to, in my opinion, is how much money are you willing to walk away from and not have a problem with it.
By now, I hope I have convinced you that great performances require far more than just physical ability. Our mental skills enable us to bring it all together and deliver upon command, but our thinkers can just as easily let us down.