I just purchased a second horse which I may use for breeding in the near future. This horse is much older than my other horse and a different breed. I contacted my insurance company about the possibility of insuring the horse and I was very happy that they did agree to insure it. I did have a complete vet check with x-rays and bloodwork. The horse had a tattoo for identification.
Although the cost of insurance was higher than my younger mare, it was not outrageously expensive. My deductible remains at 300.00. I would never expect an insurance company to cover previously injured areas of a horse. They are a business and have to make money. If my horse colicked or had laminitis I wouldn’t expect them to keep covering those areas.