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Equine Mortality & Medical

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Equine Insurance

Unexpected accidents and illness can happen even to the best cared for horses.  They are a part of our family, our livelihoods, and major investments. If that time comes, knowing you have equine insurance can be a huge peace of mind. All equine insurance starts with a mortality policy. Major medicals and/or additional colic coverage can be added to the mortality policy. For leases both the lessor and the lessee can be listed on the policy.

  • Mortality
  • Major Medical
  • Colic Coverage
  • Loss of Use
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Mortality

Mortality ​is a form of Life Insurance for your equine, listing you as the named beneficiary for the insured value. 

  • Includes theft and minimal colic surgery coverage.
  • Coverage up to $100,000 without a veterinarian check.
  • Premium rates depend on age, use and breed of equine.
  • Insured values can be increased over time with show records.
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Major Medical

Major Medical is comparable to accidental health insurance for people.

  • Annual coverage limits of $7,500, $10,000, $15,000.
  • Includes but not limited to diagnostics, treatments, colic incidents, lameness, surgeries, illnesses and accident.
  • Annual premium depends on coverage limits.
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Colic Coverage

  • Stand alone or can be stacked on top of major medical.
  • Covers colic surgery or non-surgical colic.
  • Coverage limit is $10,000 for $150 annual premium.
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Loss of Use

  • Full Mortality and Major Medicals are required for this additional coverage.
  • Covers up to 70% of the horse’s insured value if the horse becomes permanently unfit for use at its previous level.
  • Insured value must be between $50,000- $500,000 and be under the age of 12.
  • Eligible disciplines include Hunter/Jumper, Dressage, Cutting and Reining.
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Providing equestrians with individually tailored insurance including Equine Mortality, Equine Liability, Farm & Ranch, Worker’s Comp, and more.

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Exclusions and limitations may apply to equine policies. Please refer to an individual policy for more information. These statements are designed for general information purpose only and not intend as legal advice or specific insurance advice. It is important to discuss your various coverage requirements and options with your agent.

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