Insurance Programs:

Horse Mortality Insurance

If you own a horse you have a financial investment you should protect.

A Horse Mortality policy is basically life insurance for your horse, with you as the beneficiary. FULL Equine Mortality coverage is provided in most cases of death due to injury, illness, humane destruction, transportation accidents, and it also covers theft or mysterious disappearance.

There are also ADDED BONUSES that come with Full Mortality horse insurance, including: Emergency Colic Surgery coverage, and Guaranteed Extension Coverage that in the event of an injury or illness occurring and reported during the policy period, provides full mortality coverage that will automatically continue for up to 12 months from the expiration date of the policyfor that specific condition.

There are endorsements that can be added to this policy, including but not limited to:

Major Medical/Surgical: This endorsement provides coverage for most medical expenses, including surgery, that are incurred from an accident, illness or injury. Please note: preventative treatment such as worming, coggins, and routine physical exams are not covered. This is typically available for horses 31 days -15 years old. (Please inquire about coverage now available to older horses) Annual limits range from $2,500 to $15,000.

Surgical Only: This endorsement provides coverage for the expense of surgery necessitated by accident, injury or illness. The term surgery refers to medical treatments that require the horse to undergo anesthesia. This coverage is typically for horses above the age of 15 years old, but is available to any horse between 31 days and 17 years old. . (Please inquire about coverage now available to older horses)  Annual limits range from $2,500 to $10,000.

Transit Coverage: This endorsement provides coverage when a horse is traveling out of or into the US. For example, it would be added to a policy for a horse purchased in Europe and shipped to the US for about .5% of the inured value. Please note: Some parts of the world are considered “uninsurable areas”.

Named Perils: This endorsement provides coverage for death as a result of specific named causes, such as fire and lightning. This also includes coverage for theft. This is available for horses over the age of 24 hours old.

Loss of Use: This coverage pays the insured up to 50-60% of the insured value of the horse for the discipline listed on the policy.


Private Horse Owner's Protection

If you own horses and do not operate a commercial horse business, Private Horse Owner's Liability protects you against claims when your horse causes bodily injury or property damage to someone else, either on or off your premises. If your horse is exposed to people, you need this type of protection.

As a horse owner this is the most important protection you can purchase.