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Why You Don’t Need Horse Insurance In Red Dead Online | RDR2

This article is over 5 years old and may contain outdated information

Red Dead Online Horse Insurance Fun Fact: Players don’t need a horse in Insurance in Red Dead Online because you don’t lose your horse permanently if its get killed. In Red Dead Online, Horse Insurance just cover the cost of the treatment (Vet Fees).

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Red Dead Online Beta was launched on November 27 for the owners of Red Dead Redemption 2 Ultimate Edition. Rockstar Games have decided to launch the beta in phase wise, you can check out the full release schedule. As a handful of players have got access to the Red Dead Online beta, a lot of misinformation is being spread about it, and one of them is Horse Insurance – whether or not players need it in Red Dead Online? In this guide, we are going to clarify everything related to Horse Insurance in Red Dead Online.

Red Dead Online Horse Insurance Guide

Do You Need Horse Insurance In Red Dead Online?

First and the foremost thing, I would like to clarify is that Horse Insurance does not work like the Car Insurance in Red Dead Online. Secondly, You don’t need Horse Insurance in Red Dead Online, as you are not going to permanently lose your horse if it gets killed.

How Horse Insurance Works In Red Dead Online?

If a player is unable to heal a critically injured horse with a horse reviver within a minute, the horse is sent to a stable and here players will have two options to heal the horse. The first option is a bit expensive as it requires the player to pay the vet via Player Menu. The second is less expensive and requires the player to visit the stable, heal the horse and get it back.

The only thing Horse Insurance does in Red Dead Online is cover the cost of the treatment of your horse and regenerate horses’ health core quickly. Now, this regenerating health core quickly sounds convenient, but the truth is it is not necessary as you can do it with a carrot as well for 50c.

Where To Buy Horse Insurance In Red Dead Redemption 2 Online

Gold Bar is the currency using which you can buy a Horse Insurance in Red Dead Online. Horse Insurance carries a price tag of 5 Gold Bars. To buy Horse Insurance in Red Dead Online follow the steps provided below.

  • Step 1: Go inside any Stable.
  • Step 2: Select “Manage Owned Horses”
  • Step 3: Select the horse you want to insure.
  • Step 4: Select “Services”
  • Step 5: You will get three choices in “Services” option: Rename Your Horse, Fill your horse cores, and Purchase Horse Insurance.

How To Get Your Dead Horse Back In Red Dead Online

In short, here’s what you have to do if your horse dies in Red Dead Online i.e. how to get it back

  • Step 1: Hit Left on the D-Pad.
  • Step 2: Select Stable.
  • Step 3: Select Manage Owned Horses.
  • Step 4: Select Heal.

In the scenario where another player kills your horse then they will have to pay the vet fees on behalf of you, just like things worked with the cars in GTA Online.

In simple terms, Your horse never permanently dies (you will not permanently lose it) in Red Dead Online, and you don’t need a horse insurance as your horse will respawn without it.

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Sehran Shaikh
Sehran is the Associate Editor and one of the co-founders of Gamepur. He has been in the industry for over a decade now, experienced in team management. When not on his Editor's hot seat, you'll find him playing Cricket or watching Thriller Movies and TV Shows.