Business Details
27 Years
experience
Emergency
services
Your Trusted Horse Insurance Partner in Cottonwood, AZ
Founded over three decades ago, Horse Insure has established itself as a premier specialty insurance brokerage dedicated to equine and high-risk recreation industries. Our brokerage model prioritizes client needs by leveraging relationships with top-rated insurers, ensuring tailored coverage solutions for horses, outfitters, and guides. With expertise in navigating complex medical/surgical endorsements and liability protections, we provide personalized service that combines Ruth Jacobi's 30+ years of industry experience with Georgia Brown Braithwaite's operational excellence.Our commitment to transparency, client advocacy, and continuous supportfrom policy selection to claims resolutionhas earned us long-term trust across the equestrian community. We distinguish ourselves through in-depth knowledge of equine health risks, proactive client communication, and a dedication to matching each client with coverage that aligns precisely with their horse's unique needs and usage.
Services
Horse Insurance
Medical/Surgical Coverage
Mortality Policies
Liability Coverage
Outfitters Insurance
High-Risk Recreation Insurance
Pre-Purchase Exam Guidance
Claims Assistance
Policy Renewals
Emergency Colic Surgery
Details
- Year established: 1999
Highlights and features
- We offer 30+ years of specialized expertise in equine insurance markets
- Our brokerage model provides unbiased comparisons across top-rated carriers
- No co-pay medical/surgical coverage saves clients thousands on claims
- Personalized service with direct access to experienced insurance professionals
- Emergency colic surgery coverage included in all policies
What people say
Prompt claims payment
Knowledgeable staff
Personalized service
Compassionate support
Long-term trust
Services
Horse Insurance
We provide comprehensive insurance solutions for horses of all disciplines and values. Our policies include mortality protection, medical/surgical coverage, and liability safeguards tailored to individual needs. With access to multiple top-rated carriers, we ensure customized protection that considers each horse's age, breed, usage, and health profile while maintaining transparent pricing structures.
Medical/Surgical Coverage
Our medical insurance plans cover diagnostics, treatments, and advanced therapies without co-pay requirements. Options range from $5,000 to $15,000 coverage with flexible deductibles, including coverage for IRAP, Tildren, and stem-cell therapy. All policies include $3,000 emergency colic surgery benefits while maintaining no internal limits on critical lameness treatments.
Liability Coverage
We specialize in liability insurance for equine businesses, outfitters, and guides. Our policies protect against third-party claims while providing legal defense coverage. With expertise in high-risk recreation activities, we offer tailored solutions that address specific operational risks while maintaining compliance with industry standards and regulatory requirements.
Claims Assistance
Our team provides dedicated claims support through direct communication with veterinarians and insureds. We maintain consistent adjustor assignments to ensure case continuity while streamlining documentation requirements. This approach minimizes administrative burdens for clients while maintaining transparent communication throughout the entire claims resolution process.
Policy Renewals
We proactively manage policy renewals with early documentation preparation and market comparisons. Our renewal process includes coverage reassessment based on changing needs while maintaining continuity with preferred carriers. Clients receive timely updates about policy changes and alternative options to ensure continued optimal protection.
People
Ruth Jacobi
Principal
Equine insurance expert with 30+ years experience, former racehorse therapy business owner, and classical musician. Holds BA in English Literature from University of Colorado, specializing in liability coverage and industry advocacy.
Georgia Brown Braithwaite
Assistant
Licensed racehorse trainer and equine science graduate with 20+ years in claims processing. Manages policy renewals and accounting operations while providing technical expertise on medical coverage interpretation and implementation.
Questions
What horse insurance coverage options do you offer?
We provide mortality, medical/surgical, liability, and catastrophic coverage options with customizable deductibles and limits for horses aged 31 days to 20 years.
How do you handle insurance claims?
Our dedicated team works directly with veterinarians and insureds to process claims efficiently, maintaining consistent communication throughout the process.
Do you offer 24/7 emergency support?
While not operating 24/7, we prioritize urgent cases and provide clear guidance for emergency colic surgery coverage and critical care situations.
Can you help with pre-purchase exams?
We recommend independent veterinary exams and provide guidelines to ensure thorough evaluation before finalizing horse purchases.
What sets you apart from other equine insurers?
As a specialty brokerage, we offer unbiased carrier comparisons, no co-pay policies, and personalized service from experienced equine professionals.
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