Insurance for Your Horse

This comprehensive policy reimburses you in the event of the death of your insured horse resulting from an accident, sickness or disease sustained during the annual policy term.  This policy also provides coverage if an insured horse requires euthanasia, as recommended by your veterinarian and agreed to by the insurance company, to prevent excess or continued suffering due to an incurable injury or terminal disease.  Limited theft protection is included offering protection if the insured animal is stolen and dies as a result.

Your mortality policy will provide coverage while your insured horse is stabled in the United States or Canada including during transportation throughout.  The territorial limits of your policy can be extended to include many foreign countries.  Prior notification and acceptance by the insurance company is required to provide transit coverage outside of the US and Canada.  This is a very important consideration if you are purchasing a horse from another country, or one who will be traveling worldwide.

You will always want to notify your agent or assigned claims adjuster of any illness or injury requiring veterinary care and prior to any surgery even if elective-type surgery.  Failure to give proper notice of any claim or prior to any surgery (unless required to save the animal’s life) could jeopardize your insurance coverage.

Insurance Policy Requirements
The insurance company has specific requirements for placing insurance on your horse.  Once these requirements are met, we will be able to immediately provide coverage.

Forms

The following forms are available for downloading. Just click on any form listed below to view or print an application. If you don’t have   Adobe Acrobat Reader version 5.0 or higher, you can download it for free by clicking here: 

The appropriate forms are available by clicking on each form below.

Livestock Mortality Application and Statement of Health

Required for all policies. (Be sure application is fully completed, signed and dated.)

Veterinary Certificate of Examination

To be filled out by your Veterinarian.

A current examination is required to be completed by your veterinarian for horses valued in excess of $50,000; foals under 30 days of age; all horses used for racing; and may be required for horses with prior health conditions including previous surgery, lameness, illness or injury.  Mortality insurance on senior horses may also require a current vet examination. The veterinary report cannot be more than 30 days old at the time your policy begins.

Veterinary Certificate of Examination for Mortality Coverage For Foals Under 30 days

To be filled out by your Veterinarian.

A current examination is required to be completed by your veterinarian for foals under 30 days of age.

Value Substantiation Support Form 

The amount of insurance you request for your horse must be justified.  The purchase price is the amount accepted for recent purchases.  Training, showing, racing, and breeding information are used to increase the amount of insurance over your purchase price.  The amount of insurance on homebred horses is usually based on the stud fee paid to produce the foal, but sales of similar offspring are taken into consideration as is the performance record of siblings.  A certified appraisal is also considered in establishing the market value of your horse.

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Included with your policy

 Agreed Value Policy – With prior justification of value and acceptance by the insurance company, your policy will be written on an agreed value basis.  In the event of a claim resulting in the death of the insured animal, you will be paid the value amount stated in your policy.

Guaranteed Extension of the Mortality – The mortality insurance coverage under your policy is protected for up to 12-months from the expiration date of your policy in the event an incident occurs to your horse and the injury or illness is reported to the insurance company during the policy term and your insurance is renewed with us.  (Subject to age limit requirements.)

Emergency Colic Surgery Coverage –Insurance providing reimbursement for veterinary expenses incurred as a result of your insured horse requiring colic surgery.  Included is post colic surgery medical care at the surgical facility as well as third party transportation cost to the facility for the surgical procedure.  An annual limit of insurance applies.  Eligible horses must have no prior history of colic surgery.

Optional Insurance Coverage to enhance your policy

Major Medical & Surgical – By adding this endorsement to your policy, your horse will be insured for the reasonable and customary fees up to the major medical annual limit you select for covered veterinarian expenses related to medical and surgical procedures resulting from an injury, illness or disease sustained during the policy term.  This insurance will protect you from incurring unforeseen expenses should your horse require medical attention, other than routine care.  Our major medical program has no co-pays or sub-limits.  A small deductible applies to each major medical or surgical claim.  (Subject to age limit requirements.)

Guaranteed Extension of the Major Medical – Unlike most equine insurance programs which provide perhaps a 30-90 day extension from the expiration date of your policy for reimbursement of veterinary expenses for an injury, illness or disease reported during the policy term, our program includes a 12-month extension of the Major Medical.  As long as the incident is reported to us during the policy term and you renew the insurance with us, our program will continue to reimburse you for veterinary expenses related to the continued medical treatment of your insured horse for a period of 12-months or until the annual limit of coverage has been reached or your horse requires no additional veterinary treatment.  Please note, however, the extension period for non-surgical lameness is 6-months from the date of the occurrence resulting in your horse being treated for lameness.

Major Medical Limits available: (Major Medical Limit cannot exceed the Mortality Sum Insured.)

• $ 7,500 Annual Limit
• $10,000 Annual Limit
• $15,000 Annual Limit

Surgical Only – By adding this endorsement to your policy, your horse will be insured for surgical procedures required as a result of an injury, illness or disease requiring surgery under a general anesthesia at a veterinary clinic or hospital up to the limit you select.  Coverage includes certain non-surgical procedures associated with the actual surgery, such as aftercare required at the surgical facility.  A small deductible applies to each surgical claim.

Surgical Limits available:

• $ 5,000 Annual Limit
• $ 7,500 Annual Limit
• $10,000 Annual Limit

Stallion Accident, Sickness or Disease Permanent Infertility – This insurance provides coverage should your proven stallion become permanently incapable of settling mares in foal as a result of an accident, sickness or disease occurring during the policy term.

Loss Of Use:

Permanent inability to perform the show use of the insured animal as stated on the policy.   Available for select show uses.

Full Loss of Use:

This coverage provides that in the event your horse becomes unfit for their first show use specified in the policy due to a covered accident, injury, sickness or disease, you will be reimbursed up to 60% of the insured value during the policy period and during the 1-year period immediately following the date on which the policy period ends.  The accident, injury, sickness or disease must have occurred or commenced during the policy period, be reported to the company within fourteen (14) days of any accident or injury or diagnosis of a sickness or disease which could result in a claim for loss of use.

Coverage requirements: Full mortality coverage and a veterinarian examination to include written results of recent (less than 30 day old) radiographs of the front feet and hocks (A/P and Lateral Views).

Limited Loss of Use:

This coverage provides that in the event your horse becomes unfit for their first show use specified in the policy due to a covered accident or injury, you will be reimbursed up to 60% of the insured value during the policy period and during the 1-year period immediately following the date on which the policy period ends.  The accident or injury must have occurred during the policy period, be reported to the company within fourteen (14) days of any accident or injury which could result in a claim for limited loss of use.  Loss of use that results from sickness or disease or continuous injury is excluded under the limited loss of use coverage.

Coverage requirements:  Full mortality coverage and a veterinarian examination to include written results of recent (less than 30 day old) radiographs of the front feet and hocks (A/P and Lateral Views).

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