Protect Your Horse

Whether you’re looking to protect your financial investment, or to make sure your horse receives the best care in the event he becomes ill or injured, insurance is one of the most cost effective ways to achieve both. Click on the above links for more information on coverages for your horse.

To get an emailed quote, go to — the QUOTE PAGE.

Full Mortality

The equine full mortality policy is basically life insurance for your horse. It provides coverage in the event the insured horse dies from a covered accident, injury, illness or disease, and also includes coverage for humane destruction (the horse is put down for humane reasons), as well as theft. The policy will automatically cover the horse while it is in the continental United States and Canada. Coverage can extend to other countries as well, with prior notice and underwriting approval, and additional premium paid.

Coverage is generally available for healthy horses between the ages of 24 hours and 20 years.

The companies that we work with also include Emergency Colic Surgery coverage as part of the mortality policy, at no cost. The limit is 50% of the value of the horse, with a maximum of $2,500 to $3,000 depending on the horse's insured value and the insurance company. While this would most likely only cover part of the costs associated with colic surgery, it is a valuable benefit. Please note: if your horse has a history of colic problems, either medical or surgical, this coverage may not apply.

Another type of mortality coverage that is available as an alternative to Full Mortality is called Extended Named Perils or Limited Mortality coverage. This policy covers if the horse dies as a result of a limited number of specifically named causes that are spelled out in the policy, such as fire, lighting, flood, etc. If your horse is still valuable, and older than 18 and therefore ineligible for Full Mortality, you may want to consider this coverage.

Insured Value

Basically, you can insure your horse for its fair market value, or less. Fair market value is generally considered to be the amount you could expect to receive if you sold your horse right now. With a recent purchase, that would generally be the purchase price. If you have owned the horse for some time and he has increased in value, you have the option to insure for more than the purchase price. To do this, you will need to submit a Substantiation of Value form (on the Forms and Application page) which will help you list competition or breeding records, and/or professional training fees paid. If the horse is a homebred with no performance or breeding record of its own, generally the company will agree to an insured value of three times the sire's stud fee. We will be happy to work with you in gathering the necessary information and submitting it to underwriting for their review.

It is a very good idea to keep your horse's bill of sale, performance and/or breeding records on file in the event you file a mortality claim.

Justification of Value: value_just.pdfapp/data/media/media/ValueForm2013(1).pdf

Premium

The premium for your horse's mortality policy is based on his age, use, level and value.
To get an emailed quote, go to — the QUOTE PAGE.  Or please call our office and we will be happy to provide you with a quote over the phone.

Claims

If your horse becomes ill, is injured, requires surgery for any reason (even something not covered and/or routine such as castration), dies or is stolen, you must notify the insurance company immediately. There will be a toll free number on your policy, and someone with the claims department will be available to help you any time, day or night.

More information on making claims. Click here.

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Major Medical/Surgical

This is the most popular coverage that customers add to their mortality policy. It will help reimburse you for veterinary costs (medical and/or surgical) in the event your horse suffers a covered  accident, injury, illness or disease during the policy period.

Coverage is available for horses from the ages of 31 days to 20 years, depending on the insurance company that coverage is placed with.

Annual aggregate coverage limits of $5,000, $7,500, $10,000, $12,500 and $15,000 are available, and premiums start at $200 and increase accordingly. Some restrictions to limits may apply depending on the insured value of the animal. For example, some companies will not offer Major Medical/Surgical annual limits higher than the horse's insured value, while others have a minimum limit of Major Medical/Surgical that they will require..

Deductibles range from $300-$475 depending on the company, and apply on a per claim basis during the policy period.

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Surgical Only

This coverage will help reimburse you for your veterinary costs in the event your horse suffers a covered illness, injury, accident, or disease that requires life-saving surgery. It may also pay a percentage of the medical costs related to the surgery, up to the coverage limit.

Annual aggregate limits are available at $2,500, $5,000 and $7,500, depending on the company. Annual premiums begin at $125.

Coverage is available for horses from the ages of 31 days to 18 years, depending on the company.  This coverage is usually added to Full Mortality policies for older horses that are no longer eligible for Major Medical/Surgical due to their age.

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Loss of Use

In the event your horse is permanently unable to perform its insured use, this coverage will reimburse you for a portion of the horse's insured value. The scope and availability of the coverage depends on the horse's age and use, and a comprehensive veterinary exam (similar to a pre-purchase exam) may be required. Please contact our office for more info, as this is a complicated coverage that should be discussed in detail.

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Stallion AS&D

This coverage will reimburse you for a percentage of your proven stallion's insured value in the event he can no longer settle mares in foal due to a covered accident, sickness, or disease. A breeding history will be required--coverage is not available for unproven stallions.

Coverage is available for horses between 3-14 years of age.