It is important that your horse, an investment, is protected against horse mortality by an equine insurance company with strong financial background as well as established equine enterprise. Our companies offer this stability through their equine mortality insurance and other quality coverages. Buying equine insurance ensures your horse is covered during every stage of it’s lifetime.
Full Mortality: Including Theft Insurance
Equine Mortality is a Life Insurance policy for your horse, with you as beneficiary. It is an “All-Risk” policy, which will cover death from any cause, subject to certain exclusions, which are stated in the equine mortality insurance policy. We will also pay you if your horse is stolen.
We will pay the actual value of the horse at the time of the accident or illness causing its death, not exceeding the value specified in the schedule. If your horse is sick or injured before the policy expires and you have reported the sickness or injury to us during the policy term, we will extend your coverage from 90 days up to one year (dependent upon carrier) and pay your claim should the horse die within that time from the same cause.
All of the following endorsements are optional and can be added to your equine mortality insurance policy provided you meet the necessary requirements and pay the additional premium. Certain exclusions, including racing, apply.
This equine health insurance reimburses the veterinarian’s Fees for surgery, major illness and disease. We will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. Deductibles range from $250 to $1500 for each Major Medical claim depending upon which company you choose. We offer a variety of Major Medical limits to meet your needs.
Should your insured horse require surgery, this equine health insurance endorsement will cover the costs. We will pay reasonable and customary charges for surgical treatment necessitated by accident, injury or illness. We offer surgical limits up to $10,000. There is a $0 or $250 deductible depending upon which company you choose. There may also be co-pays associated with this coverage depending on the carrier.
Loss Of Use
If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your equine mortality insurance policy, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. Specific details available upon request.
Coverage for importing or exporting your horse internationally by air. Specific details available upon request.
Please read your policy for any additional terms, provisions, conditions, limitations and exclusions that may apply to the above listed coverages.
Download your Mortality application here.
Major Medical Insurance
Major Medical coverage reimburses you for Veterinary Fees associated with medical treatments, diagnostics or surgeries. Our equine insurance carriers upon claim approval will reimburse you for reasonable and customary Veterinary charges necessitated or caused by an accident, injury or illness for your insured horse up to the limits of liability on your Policy.
Dependent on carrier selection your limits and deductibles may vary. You must obtain Mortality coverage in order to be eligible for Major Medical coverage. All Major Medical coverage’s include coverage for approved Surgery up to the limit of liability.
Our equine medical insurance companies offer the following limits and deductibles:
Mortality limit must be equal to or higher than the requested Major Medical Limit.
- $5,000 Major Medical Limit ($500 per claim deductible)
- $7,500 Major Medical Limit ($500 per claim deductible)
- $10,000 Major Medical Limit ($500 per claim deductible)
- $10,000 Major Medical Limit HD ($1,000 per claim deductible)
- $15,000 Major Medical Limit ($500 per claim deductible)
Offers Medical plans from $5,000 to $15,000.
The deductible is $300 or $1500 depending upon the plan you select.
Mortality Limit must be at least $15,000 in order to be eligible.
$10,000 Major Medical Limit or a $15,000 Major Medical Limit. The deductible is $500 per occurrence for either limit and will have a 20% co-pay for each claim.
OPTIONAL COLIC ENDORSEMENT FOR HORSES VALUED UNDER $15,000
Great American offers a limit of $10,000 for Colic Treatment and Surgery. We will pay 80% of the reasonable and customary veterinary fees subject to the limit of $10,000 per covered animal. There is a $250 deductible. This coverage is available to all horses who qualify including those used for racing.
Mortality Limit must be equal to or higher than the requested Major Medical Limit.
- $7,500 Major Medical Limit
- $10,000 Major Medical Limit
- $15,000 Major Medical Limit
The deductible is $400 per claim for all Medical plan limits.
Major Medical is not available for horse’s with a Mortality limit less than $7500. Equine Catastrophic Accident and Illness coverage is available. This carries a $5,000 limit with a premium of $300 per year. A deductible of $375 will apply per claim.
Equine Catastrophic Accident and Illness brochure available by clicking here.
Please see our company brochures or call us for other limitations and/or restrictions.
Download your Major Medical application here.
Loss of Use
If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your equine mortality insurance policy, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. The Loss of Use extension to the equine mortality insurance policy will pay up to 60% (MarketScout), 60% (The Hartford), 50% (American Equine) or 70% (Great American) of the Mortality Limit.
Download your Loss of Use Exam form here.
STALLION AS&D INSURANCE
Provides you with coverage in the event your stallion becomes permanently and totally incapable of impregnating mares as a result of accident, sickness or disease.
Download your Infertility applications here.