Equine Mortality Coverage
An Equine Mortality Policy is an all perils life insurance policy for your horse. You are covered against loss from accident, illness, disease, injury, theft, or humane destruction, and transportation anywhere in the continental U.S.A. or Canada (optional worldwide territories are available.) The premium rate is based on the horse’s use, breed, and age.
With certain equine insurance carriers, a Full Equine Mortality Policy includes, at no extra charge:
- Automatic Colic Surgery Coverage
- Agreed Value Coverage
- Guaranteed Extension Coverage
Full Mortality Coverage for your horse may be bound upon receipt of a completed and signed application. Additional forms may be required based on horse’s age and value.
1. Major Medical, Colic, & Surgical
Coverage is provided for the cost of equine medical, colic, and surgical procedures performed by a veterinarian, including diagnosis as a result of accident, illness, or disease. It covers a portion of diagnostic testing, medical treatment, surgical services, as well as after care treatment. Deductibles are reasonable and benefits are generous.
2. Loss of Use
Applies to horses valued at $25,000 or more. If your performance horse (12 years and under) becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your policy, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. Full mortality and major medical are required for this coverage. If your horse sustains an accident, sickness, or injury, and it is a covered loss of use claim, the carrier will pay out a percentage of the insured value.
3. Air Transport/Overseas Territory Extension
Full Equine Mortality coverage may be extended to include international transportation to and from other approved countries. Please contact your agent for eligibility requirements and pricing. Prior notification of transit must be given before coverage will be extended.
- Equine Mortality Application
- Justification of Value (Show/Training Records)
- Statement of Condition
- Veterinary Progress Report
- Veterinary Certificate
The coverages described above are summarized and subject to the terms, conditions and exclusions printed in the policy. Refer to the policy form for specifics on coverages and limits. All coverages are subject to state law, which may vary materially from stated information.