gg, many horses are not insured as it is expensive. Normally 2 types of insurance. Firstly for "loss of use" but this is very expensive and cannot remember when I last saw one of these. What is loss of use? Maybe the horse cannot race again but could be a great hack so lots of grey areas. Insurance for death is the normal insurance. If A horse breaks his leg or dies of colic or something of that sort,then they will pay out. If the horse does not have to be put down for humane reasons( normally a 2nd opinion needed if not something like a break) and could be used even as a companion then they will not pay out. I hope this helps. You would have to be very cruel to hope your horse breaks its leg to get the insurance and if you do then you should not own a horse.
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