Equine mortality & major Medical

1 

Mortality Coverage

• Coverage is available for horses aged 24 hours to 20 years old.

•  Theft clause is included in the equine mortality wording and will provide coverage if the insured horse disappears for more than 90 days and a police report has been filed.

•  At the time of loss, proof of ownership is required, such as a canceled check, wire transfer receipt, or bill of sale. Coverage applies only within the United States and Canada.

2

Major Medical

• Colic treatment & emergency colic surgery (up to $5,000)

• Major medical coverage with flexible limits

• Guaranteed renewal for qualifying horses

• Equine medical assistance when you need it most

• Surgical coverage—including specialized care for different diagnosis

• Stallion permanent disability protectio

•  Territorial extension & air transit for horses that travel far

3

automatic endorsements with Mortality purchase

• all our mortality policies include the automatic additions endorsement. Automatically covers any horse the insured purchases at a private sale or auction (100% ownership) starting at the date of purchase. The agent must notify the insurer within 3 days of purchase.​

​

• Emergency Colic Surgery Coverage (ECS) is included with all our mortality policies for horses aged 31 days through 20 years old, unless the horse has a colic exclusion against the policy (medical or mortality). Covers up to $5,000 per horse or 50% of the insured value of the horse (whichever is less).

​

• A Guaranteed Renewal Endorsement is included with our policies for horses 16 years or younger when the policy ends. This endorsement only applies if the insured has properly filed a claim during the policy period. If the insured files a claim, the insurer will guarantee one more year of mortality coverage at the same mortality coverage limit.

​

• 12-Month Extension Endorsement is included with our policies for horses 17 years through 19 years old. The policy is renewed and a claim was reported during the original policy. This endorsement extends the mortality coverage for that specific condition for up to one full year (365 days)—instead of the standard 90 days.

4

Additional add on's

• Territorial Extension/Worldwide Coverage Endorsement:

  • We are able to extend the mortality and selected medical and/or surgical endorsements to outside the territorial limits of US and Canada.

​

• Stallion Accident, Illness, and Disease: With a stallion vet certificate completed prior to binding

• we are able to cover if the insured stallion becomes permanently:

  • Impotent (can’t achieve an erection)

  •  Infertile, or

  • Unable to breed (serve mares) due to an accident, illness, or injury that happens and is reported during the policy period.

​

• Elective Surgery Endorsement: When notified 3 days prior to the surgery with the type of surgery and location of the surgical procedure we can add the elective surgery endorsement for an extra premium. This endorsement will cover the risk of anesthesia which would otherwise not be covered for the elective procedure.