Mortality and Medical Coverage

For a horse owner, the loss of a beloved animal can be devastating both emotionally and financially. While equine mortality insurance can't diminish the grief of losing a horse, it can help to soften the economic impact. We offer several flexible coverage options, because we know each horse (and owner) are unique.  

Full Mortality coverage is provided for death as a result of injury, illness, humane destruction, transportation, and includes loss or death as a result of theft, anywhere in the continental USA or Canada.
 The premium rate is based on the horse's use, breed and age.  

Coverage Highlights

  • Agreed value settlement (except racehorses)

  • 90-day extension clause

  • Guaranteed renewal coverage added at no additional charge (except racehorses)

  • 24-hour claims service

  • Emergency colic surgery expense, up to $2500 added at no additional charge

  • Medical/Surgical Plans

  • Private Horse Owner Liability coverage can be added

  • Affordable premium rate as low as 2.85% of value (age, use, and breed restrictions may apply)

  • No vet examination certificate required (for horses valued under $50,000)

Additional Coverages

Stallion Infertility 
Loss of Use 
Prospective Foal