Equine Mortality

Equine mortality insurance is coverage designed to help protect against death from accident, illness, disease, injury, humane destruction, or theft. Coverage is available anywhere in the United States. 

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  • What is equine mortality insurance?

    • Equine mortality insurance is coverage designed to help protect against death from accident, illness, disease, injury, humane destruction, or theft. Coverage is available anywhere in the United States.

    • Coverage availability and premium are based on the age, breed, use, and value of the horse.

    • Value is determined by purchase price. If the horse is a homebred, value can be determined by stud fees paid, performance record, and sale price of similarly bred horses. Increases in value over the purchase price may be considered on a case by case basis. 

  • Additional Coverage

    1. Emergency Colic Surgery - This is a free coverage included with most mortality coverage.  It is intended to reimburse the insured should the horse require an emergency colic surgery.  It is typically primary to any additional medical/surgical or surgical coverage.  Some carriers offer the option to increase this limit over the base amount for an additional premium.  
    2. Medical/Surgical Coverage - This coverage provides reimbursement for non-routine veterinary care due to accidents, illness, or injury.  Coverage availability varies depending on breed, use, and value of horse.  Different limit, deductible, and co-pay options are available based on the carrier.  
    3. Surgical Coverage - This coverage provides reimbursement for non-routine surgeries due to accidents, illness, or injury.  
    4. Infertility - Some carriers may offer infertility coverage on breeding stallions. 
    5. Loss of Use - This provides coverage if a performance horse becomes totally and permanently incapable of its intended use.  Coverage is only available for specific uses and values.    
    6. International Transit - If a horse is traveling to or from certain countries, coverage can be added to include the transit and to cover the horse while overseas.  
    7. Specified Perils - If a horse does not qualify for full mortality due to age or another reason, the insured may be able to apply for a specified, or basic, perils policy.  This does not provide coverage for death due to illness or disease.