Research carried out by SEIB Insurance Brokers has revealed that gastric ulcers were the top cause of horse health insurance claims over the past five years.
Gastric ulcers were directly responsible for 11% of all horse insurance claims and linked to a further 63% of colic and digestive disorder claims during that five-year period.
This is according to the research which looked at data from SEIB Insurance Brokers horse insurance claims records from 2020-24.
Not only are gastric ulcers a common problem, but they are also a costly issue with research showing that they were the second most expensive type of horse insurance claim.
Almost half of claims for gastric ulcers (42%) cost over £3,000.
Physical injuries
SEIB’s research showed that the second most common cause of horse insurance claims were injuries, such as visible wounds and fractures, which occurred in the stable or field.
The next highest number of claims were caused by wounds and fractures that occurred when the horse was being ridden.
Most expensive claims
The average costs for claims caused by degenerative disease or development disorder of a horse’s forelimbs was also over £3,000, with 17% of claims incurring vet fees in excess of £5,000 – making this the most expensive average claim.
“Many horse owners don’t anticipate the high costs associated with treating common issues like degenerative diseases or gastric ulcers until they’re faced with a significant vet bill,” said SEIB’s equestrian claims manager, Donna Leavens.
“This research highlights the potential costs of some of the most common issues. We hope it helps horse owners make informed decisions about their insurance needs and encourages preventive measures to ensure their horses’ well-being.”
Main image © Shutterstock; inset image provided by Paton & Lee Equine Veterinary Surgery/SEIB
