Why Horse Owners Need Supplemental Insurance

Horse owners and equine professionals face unique risks that many people outside the community don’t fully understand. Whether you’re riding, training, caring for horses, or in the arena, accidents and injuries can happen in an instant. Traditional health insurance often falls short, leaving you with unexpected expenses that can strain your finances. That’s where supplemental insurance for horse owners comes in.

At Lonestar Financial Solutions, we provide coverage tailored to the needs of the equine community. Here’s why it’s essential to have the right protection in place.

Working with horses is rewarding but inherently risky. For example, falls, kicks, bites, and trampling incidents occur far too often. Even experienced equestrians can find themselves sidelined by accidents.

However, our Accident and Injury Plans offer direct cash benefits that you can use to cover medical expenses, transportation, or daily living costs while you recover.

Emergency room visits, surgeries, physical therapy, and follow-up care after an equine-related injury can be expensive. While your health insurance may cover part of the cost, it won’t cover everything. For instance, deductibles, co-pays, and non-covered services quickly add up.

Our supplemental insurance for horse owners bridges the gap, ensuring you’re not burdened by unforeseen expenses. The direct cash payouts give you the flexibility to use the money however you need.

Many in the equine community rely on physical work for their livelihood. If you’re an owner, trainer, stable manager, or competitor, an injury can put you out of work for weeks or months. What’s more, traditional disability insurance may not offer sufficient coverage—especially for self-employed individuals.

Our policies provide cash benefits you can use for mortgage payments, horse feed, care for your animals, and other essential expenses while you recover.

Your horses rely on you, but so does your family. And an unexpected injury or illness can disrupt not only your daily routine but also your financial stability. But our supplemental coverage ensures your family isn’t left scrambling to cover expenses.

With our direct cash benefits, you can focus on recovery and taking care of your horses. You can do this while also knowing that your financial responsibilities are handled.

Unlike some insurance plans, our supplemental insurance for horse owners provides direct cash benefits that you can use for:

1. Medical bills and deductibles
2. Boarding fees for your horses
3. Travel expenses to medical appointments
4. Everyday living costs during recovery

There are no restrictions—you decide how to use the money.

Worried about paying for coverage you might not use? With our Return of Premium (ROP) option, you can get back all your paid premiums at the end of the policy term if you stay healthy and injury-free. It’s a risk-free way to protect yourself and your finances.

✅ Local Expertise: We understand the Texas equine community—because we’re part of it.
✅ Personalized Coverage: We tailor policies to fit your lifestyle and needs.
✅ Fast Claims Process: Get cash benefits quickly with minimal paperwork.
✅ Peace of Mind: Focus on your horses and family, knowing you’re protected.

Accidents happen when you least expect them. Whether you’re caring for horses, training for the arena, or simply enjoying a trail ride, supplemental insurance for horse owners provides peace of mind and financial protection when you need it most.

Get a free consultation today to explore your coverage options and safeguard your equine lifestyle.

📞 Call Jared today at (817) 846-1492 or schedule your free consultation now.