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Do you have to microchip your horse to have insurance?

As a horse owner, you are bound to identify your animal. In some countries, the law sanctioning this identification is very strict, obliging each owner to have a subcutaneous chip inserted in his animal. Are you wondering if it is also mandatory to microchip your horse to be insured? This article will help you gain a better understanding of the topic.

Is it compulsory to take out insurance for your horse?

Taking out insurance on your horse is legally optional. However, in case of damage, you are responsible for compensating the victims. In addition, another solution that may be useful to you is to subscribe to an equine owner’s civil liability. This second option offers you a few types of liability depending on which you choose: Equine Owner’s Liability or Equestrian Liability. In any case, the most advantageous is to take a comprehensive insurance with an additional insurance. It is undoubtedly the best way to be sure to be compensated in all circumstances. It is even possible to receive additional guarantees with these types of insurance. To compare horse insurance, click on MS Amlin insurer and reinsurer.

Is it compulsory to be microchipped in order to be insured?

Another benefit of microchipping is that it also allows a horse owner to be insured. Be aware that the insurance coverage under theft is only valid if the horse is chipped. Although your horse already has legal identification documentation. And this is emphasized in any type of insurance contract. In order to be accepted by a horse insurance agency, first consider chipping your horse. Also, any filing of a loss report is completely denied if you do not. In addition to chipping, a veterinary certificate is also required for insurance purposes.

What exactly is a horse microchip?

Chipping your horse is not only an obligation. Indeed, it also gives you a real advantage in case of theft or loss. That said, having a horse chipped allows its owner to easily find his horse in case of loss. In general terms, a horse chip refers to an ID card for an animal but in an electronic version injected subcutaneously.

Contrary to what many people imagine, the chip is far from being a GPS tag. In reality, it is just a non-active chip until it is read to know its identification number. In general, a horse chip should be inserted one year after the birth of a foal. It is totally compatible with the living body and is implanted under the neck without causing discomfort. The chip is only done through an authorized identifier.

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