Red Dead Online: How to Get Horse Insurance, What it Does & Do You Need it

Here’s Everything You Need to Know About Horse Insurance in Red Dead Online

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Red Dead Online is finally live and one of the first things players will do is get a horse. Sure to be a lifelong buddy, nobody wants to see their horse meet an untimely end. That’s where horse insurance comes in. Do you need it, though? Here’s everything you need to know about horse insurance, including how to get horse insurance and what it does.

If you’ve played the single player portion of Red Dead Redemption 2, then you know your horse becomes a very important piece of your journey. The same goes for Red Dead Online.

Now though, NPCs and wild animals aren’t the only things capable of bringing your horse to its end — players can too. While your horse can never permanently die, you still might feel the need to get horse insurance.

Here’s How to Get Horse Insurance in Red Dead Online

The easiest way to get horse insurance is also an unavoidable way. It’s also free. In the first mission of the Red Dead Online story mode, you will have to buy horse insurance. Don’t worry about money, though, because it’s free.

To purchase plans for other horses, you need to head to the Red Dead Online store, the store that allows you to spend real-world money on in-game things. Once there, you will need to pony up five Gold Bars, which serve as the game’s premium currency.

It’s important to note that you can earn Gold Bars by simply playing, but the grind is quite immense. For example, you will earn .02 Gold Nuggets per mission completed, at least according to ResetEra. If you do the math, you’ll see that you need to do 5000 missions to earn 100 nuggets, which is equal to one Gold Bar.

This means that in order to get five Gold Bars, you need to do 25,000 missions. That’s a lot.

This is a beta so it’s possible that things could shake out differently, but right now, it looks like spending some real money is the best way to get horse insurance (funny how that works out, huh?)

Here’s What Horse Insurance Does in Red Dead Online

If you purchase horse insurance for one of your horses, you’re basically going to see that your horse fairs better in the Wild West. If your horse is critically injured or killed, the insurance ensures that your horse has a speedy recovery.

It also keeps your horse well-fed, clean and healthy, meaning you don’t need to worry about doing all of that. Furthermore, it will allow your horse to recover quickly and will make its cores regenerate faster.

Do You Need Horse Insurance in Red Dead Online

Horse insurance sounds great, but at the end of the day, it is in no way necessary. You, the player, can take care of your horse properly to ensure it’s well fed, clean and healthy. You can ensure your horse doesn’t die, too.

And even if it does die, it doesn’t permanently die — it simply goes back to a stable. You must pay vet fees to get it back, but when you do, it’ll be in tip-top shape with all of its cores replenished and ready to go.

That does it for everything you need to know about horse insurance, including how to get horse insurance and what it does. 

For more information about Red Dead Online, be sure to check out our Red Dead Redemption 2 Guide Wiki. There, you’ll find tips, tricks, walkthroughs and more to help you and your posse conquer the Wild West.

About the author

Wesley LeBlanc

Wesley LeBlanc is a graduate of the University of North Florida with a Bachelor's Degree in Multimedia Journalism. He has a passion for entertainment and the industry surrounding it. He's either playing video games or writing about them. When he isn't doing that, he's reading about them. Get a life, right? Wesley wrote for Twinfinite between 2018 and 2019 covering everything from the smallest indies up to the largest AAA blockbuster releases.