We are a Service Company

Our Agency offers a complete line of equine insurance products developed through our association with superior rated insurance companies specializing in equine insurance products for horses, horse owners, equine businesses, and horse farms. As an independent Agency, we have access to many specialty insurance markets enabling us to place your equine insurance at the most competitive price with the maximum coverage.

Beverly A. Smith-Embry, President, has been in the equine insurance industry since 1978 and established her own agency in 1991. The Agency Mission Statement is SERVICE. Our customers large or small are treated equally. We make the insurance process as easy as possible, handling our customers in a professional, friendly manner. We have developed personal relationships with our customers and work with them in designing insurance plans for their personal or business requirements.

Our Agency representatives are licensed in 48 of the 50 United States and our policies provide coverage in the USA and Canada. Coverage can also be arranged for insurance protection in many other countries worldwide.

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.

Equine Mortality Application 

– 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.

Vet Exams – Foals Under 30 days old 
To be filled out by your Veterinarian.

Equine Mortality Application 

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

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

Justification of Value Forms 
– 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.

Justification Of Value Foals
Justification Of Value Mares
Justification Of Value Stallions

Justification Of Value Pleasure
Justification Of Value Race
Justification Of Value Show

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 Coverage – The mortality coverage under your policy is protected for up to 12 months from the expiration date of your policy in the event a condition occurs to your horse and is reported during the policy period , coverage will automatically continue for mortality.  Subject to age limit requirements. (Some policies require a small charge for this protection.)

Optional Insurance Coverage to Enhance your policy
 Emergency Colic Surgery Coverage – Should your insured horse require colic surgery, the benefit of this extension of your insurance policy provides payment for the cost of the surgery and including post surgery medical care as well as third party transportation cost to the surgical facility.  Eligible horses must have no prior history of colic surgery. Specific policy limit applies to this coverage. (Some policies may require a small charge for this extension.)

 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 limit for covered medical and surgical procedures resulting from an accident, illness or disease.  This insurance will protect you from incurring unforeseen expenses should your horse require medical attention other than routine care.  A small deductible applies to each major medical or surgical claim.   Subject to age limit requirements.

Major Medical & Surgical Limits:

(All limits may not be available on all policies.)

* $  7,500 Annual Limit* $10,000 Annual Limit, *$ 15,000 Annual Limit*Major medical limit cannot exceed mortality sum insured.
Surgical Only – Provides coverage for surgical procedures required as a result of an injury or illness and performed under a general anesthesia at a veterinary clinic or hospital up to the surgical limit of your policy.  Includes coverage for certain non surgical procedures associated with the actual surgery.  Certain policies may require a small deductible.  Subject to age limit requirements.
Surgical Limit $ 5,000 Annual Limit,  7,500 Annual Limit, $10,000 Annual Limit

Stallion Accident, Sickness and Disease 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.  (Coverage is not available for stallions in their first breeding season.)Supplemental Application Required

Loss Of Use:

Permanent inability to perform the use of the insured animal as stated on the policy.

Not available for the following uses:  

External Injury Only Loss Of Use:

This coverage provides that in the event your horse becomes permanently unable to perform its insured use as a result of a visible, external, accidental and violet means injury occurring during the policy period, you will be paid a percentage of the mortality amount of insurance under the policy. Available for horses age 12 months through 17 years.
Coverage requirements: 
 Major Medical/Surgical for horses age 12 months through 15 years.  Surgical Only for horses age 16 and 17 years

Full Loss Of Use Including Economic Destruction:

This coverage provides that in the event your horse suffers from an accident, injury, illness or disease during the policy period and as a result is permanently unable to perform its insured use, or that the cost of surgical or medical support is not economically viable, you will be paid a percentage of the mortality amount of insurance due under the policy.
Available for horses ages 2 through 12 years Coverage requirements :

Major Medical/Surgical Endorsement

ADDITIONAL INSURANCE AVAILABLE FOR YOUR BREEDING HORSE :

There are several coverages available to protect you against loss occurring when you use your horse for breeding purposes.  Insurance protection can be provided for non-refundable stud fees or no live foal guarantees.  Ask us for more details!