Forms for coverage on this page:
Mortality application
mortality.pdf
Statement of Health
health.pdf
Vet. Certificate
vet_cert.pdf
*All forms are Adobe Acrobat(pdf) files, to download a free Acrobat reader, click here
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 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 additional premium paid.
Coverage is available for healthy horses between the ages of 24 hours and 18 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 will not apply.
Another type of mortality coverage that is available as an alternative to Full Mortality is called Extended Named Perils. 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 should 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.
It is a 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.pdf
Premium
The premium for your horse's mortality policy is based on his age, use and value.
To get an emailed quote, go to — the QUOTE PAGE.
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 as soon as possible. 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.
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 an accident, injury, illness or disease during the policy period.
Coverage is available for horses from the ages of 31 days to 15 years.
Coverage limits of $5,000, $7,500, $10,000 and $12,500 are available, and premiums start at $190 and increase accordingly. Some restrictions to limits may apply depending on the insured value of the animal. For example, if your horse is insured at a value of less than $7,500, some companies will only offer $5,000 in Major Medical/Surgical coverage.
Deductibles range from $250-$325 depending on the company, and apply to every claim made during the policy period.
Surgical Only
This coverage will help reimburse you for your veterinary costs in the event your horse suffers an illness, injury, accident, or disease that requires life-saving surgery. It will also pay a percentage of the medical costs related to the surgery.
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 20 years, depending on the company. This coverage is usually added to Full Mortality policies for older horses (over 15) that are no longer eligible for Major Medical/Surgical due to their age.
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 details.
Stallion AS&D
This coverage will reimburse you for 100% of your proven stallion's insured value in the event he can no longer settle mares in foal due to an 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.