Equine Mortality Insurance


Livestock Mortality is a Life Insurance policy for your horse, with you as beneficiary. A Livestock Mortality insurance policy will cover death from any cause, subject to certain exclusions, which are stated in the policy. Theft of the horse is also included.

The insurance company will pay the actual value of the horse at the time of the accident or illness causing its death, not exceeding the value specified in the schedule.

All endorsements are optional and can be added to your mortality policy provided you meet the necessary requirements and pay the additional premium. Certain exclusions, including racing, apply.

Major Medical Endorsement
This insurance reimburses the veterinarian's fees for surgery, major illness and disease. The insurance company will pay reasonable and customary charges necessitated by accident, injury or illness for your insured horse. There is a deductible for each claim, and a limit per animal per year. This coverage will help you control veterinary expenses for unforeseen events related to the health of your animal.
Surgical Endorsement
Should your insured horse require surgery, this endorsement will cover specified costs. The company will pay reasonable and customary charges for surgical treatment (including anesthesia) necessitated by accident, injury or illness. In addition to the surgical fees, companies can pay a percentage of the veterinary fees for hospitalization, X-rays, medication, and lab tests that are necessitated as a result of the surgery. There is a deductible for each claim, and a limit per animal per year.
Loss of Use Endorsement
If your horse becomes totally and permanently incapable of fulfilling the functions for which it is used, as stated on your policy, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss. The Loss of Use extension will pay you a percentage of the animal's value if you elect to keep your horse, or can pay you a higher amount if the company takes possession of the animal or the animal is destroyed. (Full X-ray reports and soundness exams are required for approval at the inception of this endorsement.)
Please contact us regarding further policies such as, Instructors/Trainers Liability Care, Custody, and Control, Workers' Compensation, Horse Owners' Liability, as well as Equine Farm packages.