Racehorse insurance costs roughly 4.85% to 6.5% of the horse’s insured value every year. On a $50,000 colt that is about $2,425 a year, or a little over $200 a month, for mortality cover alone; add the standard surgical endorsement and the all-in number sits near $2,625 a year. The rate is not flat. It…
HISA is horse racing’s federal safety regulator — the Horseracing Integrity and Safety Authority, created by the Horseracing Integrity and Safety Act of 2020 and supervised by the Federal Trade Commission. Its rules run at 41 racetracks in 19 states, and they arrive in two parts: the Racetrack Safety Program, live since July 1, 2022,…
The short version Laminitis is the inflammation and separation of the laminae that hold your horse’s coffin bone suspended inside the hoof. When that attachment fails, the bone can rotate or sink — and that is what turns a foot problem into a life-or-death one. Most laminitis today is not caused by “too much grass.”…
Mortality insurance pays if your racehorse dies. It does not pay the $6,000–$15,000 bill when that horse survives emergency colic surgery — that bill is covered only if you bought a separate major medical or surgical endorsement, and most first-time owners don’t learn the two are different products until the vet is already asking for…
Racehorses get put down for one dominant reason: a catastrophic limb injury that cannot be repaired and cannot be survived humanely. In 2025, that happened at a rate of 1.07 per 1,000 starts in North American Thoroughbred racing — about one fatality in every 935 starts, the lowest rate since national record-keeping began in 2009.…
Racehorse mortality insurance pays out the horse’s insured value if it dies or has to be humanely destroyed, and for a racing thoroughbred it typically costs about 5% of that value a year — roughly 4.85% to 6.25%, sliding lower as the horse’s price rises. It does not cover surgery, vet bills, or a career-ending…
The National Thoroughbred League (NTL) is a team-based professional racing league — a spectator and entertainment product, not a way to own a racehorse. Ten city-branded teams, backed by celebrity ownership groups, race for season points toward a championship. If you came to it hoping to buy a share of a runner, that is the…