Comparison Shopping For Your Equine Insurance?


Smith-Embry Insurance Associates, Inc. can help you make the right decision.

The basic insurance policy for your horse provides insurance for death resulting from an injury, illness or disease sustained during the policy term, including euthanasia if recommended by the attending veterinarian and agreed by the insurance company.

Most horse mortality policies include FREE coverage for emergency colic surgery with a specific annual limit of coverage.  The annual limit offered by each insurance company could be different, so you will want to make sure you are advised of the limit when obtaining a quote.

Many horse owners today are looking for medical insurance for their horse.  The Major Medical/Surgical Endorsement can be added to your basic horse policy.  It is not a “stand alone” policy.  This endorsement provides for reimbursement of veterinary expenses for treatment required as a result of an injury, illness or disease sustained during the policy term.  The coverage provided under the Major Medical/Surgical Endorsement can vary greatly by company.  If you are purchasing this endorsement, you need to pay special attention, not only to the annual limit you select, but also the deductible applicable to each loss as well as if Co-Pays or Sub-Limits on certain treatment will apply.

Examples of Major Medical/Surgical coverage offered by various companies:

Smith-Embry Insurance – offers Annual Limits of $7,500, $10,000, $15,000
(but not to exceed the mortality amount on your horse)

  • Per Claim Deductible:  $350 (through age 15 years)
  • No Co-Pays
  • No Sub-Limits
  • No Limit on Diagnostics
  • Extension Period applies for continued treatment for up to 12-months from the date of the occurrence or until you have met your selected Annual Limit.  The Extension Period for claims resulting from non-surgical lameness is 6-months from the date of the occurrence.

Company B – offers limits of $10,000 & $15,000
(but is not offered for horses valued below a mortality sum insured of $15,000)

  • Per Claim Deductible:  $500
  • Co-Pay provision (Company pays 80%/Insured Pays 20%)
  • Sub-Limits apply – $1,200 per unrelated occurrence for Shockwave therapy.
    $3,000 per unrelated occurrence for IRAP, TILDEN, PRP Stem Cell therapies
  • No Limit on Diagnostics
  • Extension Period:  120-days

Company C – offers limits of $5,000, $10,000, $15,000 (but not to exceed the mortality
sum insured on your horse)  Certain restrictions on Mortality Sum Insured apply.

  • Per Claim Deductible: (varies by Limit) $375, $500, $1,000
  • Co-Pay provision (Company pays 80%/Insured Pays 20%)
  • Sub-Limits apply – $1,200 per year for Shockwave Therapy
    $1,500 per year for IRAP, TILDEN, PRP, Stem Cell therapies
  • Diagnostics – 30% co-pay for diagnostic testing
  • Extension Period:  90-days

Microsoft Word - 8 1 15 Policy Comparisons.docx

Which major medical reimbursement check do you want to receive?

Comparison of other companies may not be fully accurate, but are used as examples of questions you should be asking when you are shopping for equine insurance for your horse. 

Smith-Embry Insurance Associates offers

Farm/Ranch Property Insurance
Commercial Equine Liability Insurance
Care, Custody & Control Liability Insurance
Equine Personal Horse Owners Liability Insurance
Equine Event & Horse Club Liability Insurance