Equine Insurance Center
Providing Exceptional Carriers & Even Better Customer Service
Equine Insurance Coverage
Based in North Carolina providing coverages across 48 states in the USA.
Find your ideal coverage
Buying equine insurance ensures your horse is covered during every stage of it’s lifetime.
We provide complete equestrian coverage across USA
We proudly offer Mortality/Medical and Liability coverage in all states in the US except for Alaska and Hawaii, liability is not available in New Hampshire or Washington. We also offer international coverage while your horse waits to be shipped from Europe and the risk of the flight from the departing country to the USA.
Protect your equine operation
Our most comprehensive protection
We offer one of the industry’s broadest and most comprehensive products available to the modern day horse farm owner at a competitive price…
It is important that your horse, an investment, is protected against equine mortality by an insurance company with strong financial background…
This equine coverage from our insurance companies is very important to you if you perform any commercial equestrian activities such as boarding…
Riding clubs and their varied functions pose unique liability exposures, which need specially designed coverage tailored to these needs…
Horse Owners are faced with unique liability exposures that may not be adequately covered under normal personal liability policies such as a…
Frequently Asked Questions
Why would I need horse Mortality Insurance?
If your horse which can be an investment for some dies, needs to be euthanized for humane reasons or is ever stolen then Mortality coverage can help cover the investment amount or purchase price you paid for the horse as specified in the policy.
A few highlights of mortality coverage:
- Claims adjustors are available 24/7.
- Optional coverages may be added such as medical or surgical.
- Every carrier will provide some allowance toward colic surgery per the policy wording under mortality.
- Claim extensions are available on approved claimed conditions.
What can mortality Insurance cover?
There is an all risk type Policy for death, theft or humane destruction of a covered animal which may include sickness and disease risk.
Carriers also offer a specified perils only coverage which is less expensive however, this is not an all risk policy and is limited in coverage scope and benefit, contact the agency for any questions regarding limited or specified perils.
Can I add Medical coverage to my horse?
We represent several carriers that can add a medical plan which can include surgery to your horse. The medical can cover an accident, injury, illness or disease that may develop while the Policy is in force and is not pre-existing.
If medical is not for you, we can recommend a carrier with a surgical only plan which can assist with a big ticket surgery such as colic surgery or non-elective nonperformance type surgery.
Claims adjustors are available 24/7 to assist with any claim filing pertaining to these coverages.
Can medical or surgical cover a colic surgery?
Yes, emergency colic surgery is one of the most unexpected and most expensive items you can incur with your horse. Our available medical/surgical plan add on can assist with the financial burden of such an expensive procedure
The surgical plan will also assist with a colic surgery in the event your horse is required to have a surgery related to colic.
I’m worried about any exclusions the company may put on my horse if a file a claim, is this true?
If you file a claim on your horse all carriers will place an exclusion on the renewal term however, if the condition will heal and the horse returns to normal from said condition some carriers will review to remove the exclusion at a later time. We always encourage you to use your Insurance first and we’ll assist with a review of any exclusions that may arise in the future. Not all exclusions are reviewable, but don’t let that discourage you from using your Insurance and getting your horse better!
If I teach horse riding lessons or train horses is there an Insurance plan for me?
Yes, we got you covered. We have carriers who specialize in the Professional Equestrian instructor and trainer Insurance fields and can provide you with more than adequate coverage to assist with your teaching and instruction programs. We can also offer personal horse owners coverage for just the day to day horseman as well.