New Major Medical coverage options and the Fastest Quotes In The West  .....  Get Coverage Immediately !

    
            Reduced Rates & Expanded Coverage for 2014 !

It's important that your horses are protected by a company with a national presence, strong financial background and established equine expertise.  The Equestrian Group and Hartford Insurance Group offers this stability through their Livestock Mortality Division.     The Equestrian Group has served horse owners for over 30 years. Our knowledgeable agents, underwriters and claims staff possess the experience and training to handle all facets of your equine insurance.


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All Risk Mortality & Theft

Major Medical & Surgical

This policy is available for foals, yearlings, stallions, mares and geldings of all breeds and types. We have designed this coverage to insure your horse against death from almost any cause. This includes transportation and humane destruction made necessary by an illness or accidental injury anywhere in the continental United States or Canada. Our policy is unique in the industry as our Basic Form includes coverage for theft and $3,000 colic surgery including aftercare at no additional cost.  We can even quote and bind coverage on the telephone!

Our policy automatically includes

***$5,000 Emergency Colic Surgery Expense Endorsement is automatically included with Horse Mortality Insurance Policy on horses 90 days of age up to and including 15 years of age provided no previous history of colic surgery.

This endorsement WILL NOT be included if Major Medical Coverage or Race Horse Surgical Coverage is purchased.

Guaranteed extension and agreed value coverage are also automatically included in full mortality policies policies.  Veterinary exams and certificates are not required for horses under $100,000.

Guaranteed Coverage Extension

The Full Mortality policy also includes Guaranteed Extension coverage. This coverage provides that in the event of a condition occurring and reported during the policy period, mortality coverage will automatically continue for up to 12 months from the expiration date for that specific condition.

 

This coverage will help you control unforeseen veterinary expenses for events related to the health of your animal. This valuable endorsement covers up to $7,500, $10,000 or $15,000 of reasonable and customary veterinary, medical and surgical care charges necessitated by accident, injury or illness. A $300 deductible will apply to each separate claim during the period of insurance.  No sub-limit for diagnostics, treatments and no limitations for continuing care.  Humane destruction is covered under the policy but economic destruction is not.  If you choose to put your horse down for financial reasons, the policy will not offer coverage for this.

Not all policies are created equally.  The adage "you get what you pay for" is very true.  For example, most policies impose a time limit for how long the insurer will cover a medical problem.  This limit varies between companies and can be as short as four weeks.  Our policy will cover for the problem for the entire policy period in which it happened.  This can be quite important if you are dealing with a serious problem like EPM where the necessary medication and care is both lengthy and costly.

bullet Diagnostics - up to the full limit of the medical coverage is available for diagnostics, often a significant cost in examining and treating an ill or injured horse.
bullet Lameness - Policy coverage has no limitations on diagnostics or continuing care for lameness or other conditions.
bullet No Co-Pays - Policy has no co-payment requirements.
bullet Continuing Care - No policy continuing care time limits.
bullet Navicular, arthritis, and DJD - Conditions such as navicular, arthritis, and DJD are not automatically excluded.
bullet Medical extensions - Policy provides for up to 30 days additional coverage after expiration. Some companies have no extension on medical conditions occurring just prior to expiration.

Loss of Use - Full or External Injury Extended Renewal Protection
Loss of Use coverage can be added to the Full Mortality policy by endorsement for animals ages 1 to 17. The policy will pay up to seventy-five percent (75%) of the actual cash value in the event that the horse becomes permanently unfit for use in the show ring, due to an accident, injury or illness.

Permits renewal of coverage on a designated animal without the need for a current veterinarian's health certificate, if the renewal is for the same use.  The additional premium is $30.oo per covered animal.

 


Stallion Infertility AS&D Valuation
Coverage provides that in the event your proven stallion becomes permanently incapable of settling mares in foal as a result of accident, sickness or disease, you will be paid up to 100% of the indemnity due under the mortality policy.  Coverage is not available to stallions in their first breeding season.

 


The value of a horse is usually the paid purchase price. Other factors can also be taken into consideration when determining the insurable value. Transportation costs from point of purchase, sales tax and training expenses are examples of direct costs that can be included in valuation calculations. The insurance value may further increase with prize winnings, performance level and when offspring justifies such an increase. If the requested insurance amount exceeds the purchase price please provide an explanation of valuation.

TRIP TRANSIT

   
Full and Limited Mortality coverage may be extended to include international transportation to and from other approved countries. The policy period ranges from 1 to 90 days and premium for Trip Transit coverage is rated based upon coverage and policy period.  Premium is fully earned. Prior notification of transit must be given.   THE EQUESTRIAN GROUP will bind Limited Mortality coverage by telephone or FAX with premium payment.  Full Mortality can be bound if your veterinarian calls immediately after examining the animal. Limited Mortality perils include fire, lightning, flood, theft and transportation accidents. Coverage is bound pending receipt and acceptance of the completed application, veterinary certificate (if applicable) and any other supporting information requested. A satisfactory Statement of Health is adequate to bind and issue mortality coverage for horses valued up to $25,000, ages 30 days to 17 years old. Payment plans available.

   
All Risk Mortality Rates by Breed & Use anmarefoal.gif (3479 bytes)
Use / % TB  QH Arab Warmblood
Lipizzan
Saddlebred
Missouri FT
Friesian Morgan Paint
Appy
Paso Mini Pony Draft
Cob
Mule Halter Other
Showing, Pleasure 3.2 3.2 2.9 3.5 3.0 3.5 3.2 3.2 3.0 3.0 3.0 3.8 3.0 8.0 3.2
Pony Club 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 N/A 3.9 N/A N/A N/A 3.9
Dressage 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 N/A 3.0 3.0 3.0 N/A 3.0
Driving 3.5  3.5 2.9 3.5 3.0 3.5 3.0 3.5 3.0 3.0 3.0 3.8 3.0 8.0 3.8
Endurance 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 N/A 3.9 3.9 3.9 N/A 3.9
Eventing - Training 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 3.9 N/A 3.9 3.9 3.9 N/A 3.9
Eventing - Prelim+ 4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.3 N/A N/A 4.3 N/A N/A N/A 4.3
Hunter 3.6 3.6 3.6 3.6 3.6 3.6 3.6 3.5 N/A N/A 3.0 4.0 N/A N/A 3.5
Jumper 3.3 3.7 3.7 3.7 3.7 3.7 3.7 3.7 3.7 N/A 3.5 N/A 3.5 N/A 3.7
Cutting 3.0 3.0 3.0 N/A N/A N/A 3.0 3.0 N/A N/A 3.0 N/A 3.0 N/A 3.0
Team Penning 3.0 3.0 3.0 N/A N/A N/A 3.0 3.0 N/A N/A 3.0 N/A 3.0 N/A 3.0
Reining 3.0 3.0 3.0 N/A N/A N/A 3.0 3.0 N/A N/A 3.0 N/A 3.0 N/A 3.0
Roping 3.2 3.2 3.2 N/A N/A N/A 3.2 3.2 N/A N/A 3.8 N/A 3.8 N/A 3.2
Barrel Racing 3.2 3.2 3.2 N/A N/A N/A 3.2 3.2 N/A N/A N/A N/A 3.2 N/A 3.2
Rodeo 3.2 3.2 3.2 N/A N/A N/A 3.2 3.2 N/A N/A N/A N/A 3.2 N/A 3.2
Timed Events 3.8 3.8 3.8 N/A N/A N/A 3.8 3.8 N/A N/A N/A N/A 3.2 N/A 3.8
Breeding Mares 3.5 3.2 2.7 3.2 3.0 3.2 3.0 3.2 3.0 3.0 3.0 3.2 3.0 N/A 3.2
Breeding Stallions 3.2 3.2 2.7 3.2 3.0 3.2 3.0 3.2 3.0 3.0 3.0 3.2 3.0 N/A 3.2
Yearlings 3.2 3.0 2.7 3.0 3.2 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 N/A 3.0
Foals 24 HR - 30 Days 5.65 5.65 5.65 5.65 5.65 5.65 5.65 5.65 5.65 5.65 5.65 5.65 5.65 N/A 5.65
Foals 31+  Days 4.85 4.85 4.85 4.85 4.85 4.85 4.85 4.85 4.85 4.85 4.85 4.85 4.85 N/A 4.85
Racing Thoroughbred Rating Plan for Values to $300,000                  

 

Over Age Horses:
15 years: add 2% to basic rate
16 years: add 3% to basic rate
17 years: add 5% to basic rate
 
Major Medical
$   7,500  ($300 Ded)   $300 Fully Earned
          $ 10,000  ($500 Ded)   $500 Fully Earned
          $ 15,000  ($500 Ded)   $450 Fully Earned
 
Racing Thoroughbred Rating Plan for Values to $300,000

Minimum Policy Premium      $175

Applications & Forms
(PDF Format)
Equine Mortality Application
Statement of Health Form

 

 

FAQs for Horseowners

Payment Plans Available    
Call us today for an immediate telephone quotation! - 1 (800) 874-9191

 

General Information Request Form

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  Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more product information.




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Phoenix, AZ  -  Home Office (602) 992-1570   Toll Free (800) 874-9191
Del Mar, CA (619) 798-6540   Portland, OR  (503) 608-4820
FAX (602) 992-8327   FAX 2 (480) 452-0593
 
Mailing Address:    12424 N. 32nd Street #101  Phoenix, AZ   85032 General Information: ballen@eqgroup.com  
Customer Service: mpallante@eqgroup.com Entertainment: entertainment@eqgroup.com
Webmaster: ballen@eqgroup.com Mortality: jpetersen@eqgroup.com
   
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