Equine insurance can be confusing, but knowing your options means you’re better prepared when the unexpected happens. In this episode of Ask an Expert, equine insurance agent Heidi Wardle explains the different types of coverage available, what they include, how to navigate the claims process, and how to protect everything from your horse to your tack and equipment.

Episode Highlights:

2:30: The different types of equine insurance, who each policy is best suited for, and how to choose the right coverage

11:15: Common equine insurance misconceptions

15:30: What major medical typically covers and key exclusions to watch for

31:00: How the claims process works, how to prepare ahead of time, and common mistakes that can lead to denied claims

41:00: Coverage options for tack, trailers, and farm property

48:45: Expert advice for first-time horse owners shopping for equine insurance

Meet the Expert, Heidi Wardle

Heidi is a lifelong horsewoman who began her career as a professional rider and trainer before transitioning into the equine insurance world in 2017. She now works with clients across disciplines to protect what matters most, from major medical and mortality to liability, farm, trailer, and tack coverage. Heidi brings a rider’s perspective to her work, combining industry knowledge with firsthand experience. She continues to compete her off-the-track-thoroughbreds, Cold Spice and Generalist in the sport of eventing.

Brought to you by Ride iQ 

This episode is part of the Ask An Expert podcast series, usually available exclusively in the Ride iQ app, where members have access to more than 200 expert interviews covering training, horse care, sports psychology, and more.

Ride iQ helps everyday riders ride with more clarity, confidence, and purpose through on-demand audio lessons from world-class coaches. Members also get weekly live Q&As with equestrian experts, exclusive podcast episodes, dressage test playbooks, and supportive community conversations that make learning feel fun and doable.

If you’d like to explore what Ride iQ offers, you can learn more and start your free 14-day trial at Ride-iQ.com. 

Want straightforward, expert advice on keeping your horse sound and thriving? Dr. Erica Lacher’s eight-part program, Horse Health Essentials, is now available, and you can use code POD35 for 35% off. Learn more at RideIQElevate.com/horse-health.