Most expensive horses to insure
Estimated annual pet-insurance premium by breed health-risk tier. The top pick is the Hanoverian (Warmblood).
| # | Breed | Size | Insurance/yr | Lifetime cost |
|---|---|---|---|---|
| 1 | Hanoverian (Warmblood) | Large | $1,050 | $177,200 |
| 2 | Friesian | Large | $880 | $114,800 |
| 3 | Andalusian | Large | $840 | $143,700 |
| 4 | Thoroughbred | Large | $630 | $134,000 |
| 5 | Shire | Giant | $630 | $146,500 |
| 6 | Arabian | Medium | $600 | $127,600 |
| 7 | Clydesdale | Giant | $600 | $139,100 |
| 8 | Percheron | Giant | $600 | $178,300 |
| 9 | Icelandic Horse | Medium | $600 | $154,700 |
| 10 | Belgian Draft | Giant | $580 | $134,700 |
| 11 | American Quarter Horse | Large | $560 | $130,900 |
| 12 | Morgan | Large | $560 | $129,200 |
| 13 | American Paint Horse | Large | $540 | $130,500 |
| 14 | Appaloosa | Large | $520 | $129,700 |
| 15 | Tennessee Walking Horse | Large | $520 | $141,900 |
| 16 | Haflinger | Medium | $520 | $129,200 |
| 17 | Standardbred | Large | $490 | $124,200 |
| 18 | Welsh Pony | Small | $490 | $119,000 |
| 19 | Mustang | Medium | $440 | $114,800 |
| 20 | Shetland Pony | Small | $400 | $104,400 |
Ranked from our sortable database. Food = vet RER/MER formula; insurance = NAPHIA average × breed health-risk tier. US estimates.
Why are some horses costly to insure?
Breeds prone to costly chronic conditions carry higher premiums.