[QUOTE=quietann;4582572]
Not a bad thing… but what happens to the horse once it’s declared unrideable? For many of us, we can afford ONE horse and if there is something that can help keep that ONE horse rideable (and showable, if that’s one’s thing), it puts off having to make a very hard decision. A lot of arthritic horses do better with a job, whether it’s light riding, very low-level competing, or whatever. I’ve had the pleasure of riding a couple of them and they were definitely happier with the attention and interesting sights.
One was an old TB mare who slipped under a fence and destroyed a hock joint capsule at age 8. After a full year of stall rest she had joint injections in both hocks (the other got stiff from compensating for the bad one) twice a year for the rest of her life, until they stopped working when she was nearly 25. She was put down at 26. She had 24/7 turnout, oral supplements, and was never worked really hard, though she occasionally needed a Bute after some silliness (in our case, freaking out about some goats and having a full spinning tantrum in the middle of the road, ending with sitting down in a snowbank! She was SORE after that, silly girl.) She was a good trail horse in company with other horses, she taught a lot of up-downers how to post the trot, loved to take one or two tiny jumps as part of a ride, and she showed a couple of times in schooling shows, including taking me through Intro A and B at age 24. The only thing she didn’t do, that she would have been good at, is make babies; she would have been a fabulous choice to breed sport ponies as she was small and from small lines. Does this looks like a horse who isn’t enjoying being ridden?
(Sorry to run on, but I really do miss her!)[/QUOTE]
Know how you feel, lost my beautiful dressage boy (Pants) died 12 months ago - he had hunted, jumped and evented, without a single injection for 20 years. Unfortunately septic shock killed him in 5 days. Thank god I still have the Grey Git and TurboToby. I kept all three till Pants died
However, over here horse insurance is pretty much wholesale.
We have loss of use, so your old TB would have been freezemarked LOU and you would have been able to keep her to breed, assuming she was sound and of quality breed.
We also insure for vets bills - not everyone, but if like me you have an expensive dressage nag you pay the premium for unlimited vet fees - Mine for the Grey Git and Turbo is $140 a month - that includes £10 million public liability, loss, theft, death, removal etc.
It is normal here to insure even a shitland pony for death/theft/public liability.
Do you not do that in the US?
Here it is a factor we take into account in our horse keeping budget.
Paddy