• Call your vet immediately
• Call your adjuster to start a claim or call your agent
• In the event of theft, a shooting, or accidents involving a vehicle make sure to call the policy department since a police report will be required
• In the case of death or emergency euthanasia a necropsy is required. Do not dispose of the horse until you have spoken to an adjuster. Outside of a vet deemed emergency approval of euthanasia is required by a claim’s adjuster. Only your claims adjuster can approve. Owners are responsible for the cost of the necropsy.

Applications will need to be completed and signed.  Most horses can have coverage bound and in effect in the same day.  Horse’s with values over $100,000 will require a vet check and approval by underwriting.

Mortality is based on an agreed insured value between the insurance company and the insured.  Substantiating an insured value starts with the purchase price.  For increasing value above purchase price show records and/or winnings from after the purchase date can be used.  For homebred horses or horses that are given to you there are some specific questions asked that will help to establish a good insured value.    

There are many factors that contribute to the annual premium.  From age, breed, use and value to the type of medical coverage’s you would prefer.  Medical coverage’s start with just colic coverage at $150 annual and go up from there.

No, the basis of all insurance is the mortality and must be placed in order to be eligible for any medical, colic or loss of use coverages.

Yes, there are options available without financing fees.  Choosing a plan does depend on what your annual premium is and which company is chosen for coverage. 

Mortality coverage on foals can be placed at 24 hours of age (with vet certificate including IgG levels) and after 30 days they are eligible for medical coverages.  Older horses are insurable for both mortality and medical coverages until the age of 21.  Mortality rates will start increase at the age of 15 and continue rising each year until they age out. 

If you are transporting within the United States or Canada transportation is covered.  If you are shipping horses in and out of other counties coverage can be added to policies for a fee.

Yes, if the horse is being imported within 30 days, we can place the coverage at the time of purchase.  International transportation coverage will need to be added as well if you would like to cover the flight and quarantine.

Exclusions are placed when there is a known problem with the horse and the insurance company is not willing to cover that condition.

Any pre-existing condition prior to the effective dates of a policy will be excluded whether the horse was insured and a claim was paid or it was uninsured.  For example, if the horse had a past high suspensory tear it is possible that you may see an exclusion for that on your policy.  It’s important to be honest about your horse’s health at all times.

Every company looks at exclusions differently.  Exclusions may be placed at the time of placing the coverage from a pre-existing or at the renewal if you have had a claim during the policy period. If an exclusion is applied it may not be a permeant but temporary.   Each exclusion is reviewed individually.