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

 


   Reduced Rates & Expanded Medical Coverage for 2014 !
   Now 3 Policies to choose from !

It's important that your horse mortality and medical insurance is provided by an A rated company with a national presence, strong financial background and established equine expertise.  The Equestrian Group offers this stability through it's Equine Mortality Division.     The Equestrian Group has served horse owners for over 40 years. Our knowledgeable agents, underwriters and claims staff possess the experience and training to handle all facets of your equine insurance.


Click above for On-Line Quote


 

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 Free Colic Surgery coverage, providing the horse does not have a history of colic problems. The coverage limit is 60% of the insured value with a maximum of $3,000 and no deductible.  If you insure your horse for Major Medical or Surgical as well, you will have access to the maximum limits on both coverage parts.  We even pay up to $300 for emergency horse transportation!

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.

 

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.


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.
 


Full Loss of Use Colic Medical & Surgical Coverage

In the event your horse becomes permanently unable to perform its insured use as a result of an accident, illness, injury or disease, this coverage pays up to 50% of the insured value. Full Loss of Use coverage requires the submission of the Full Loss of Use Vet Certificate for coverage consideration. This coverage is available for select uses only. Please call for more information.
 

Colic Medical and Surgical Coverage provides an annual limit of the lesser of $3,000 or sixty percent (60%) of the mortality limit of liability, for cost of medical and surgical colic, including aftercare, subject to a $300 deductible.

Loss of Use - External Injury Only   Stallion Infertility AS&D


If your horse is permanently unable to perform its insured use due to a visible injury caused by external, accidental, and violent means, this coverage pays up to 50% of the insured value. This coverage is available for select uses only. Please call for more information.
 

 


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 insured value under the mortality policy.
 Coverage is not available to stallions in their first breeding season.

TRIP TRANSIT Valuation


Mortality coverage may be extended to include international transportation to and from other approved countries. Premium for Trip Transit coverage is rated at 0.5% one-way and 1% for round trip and is fully earned. Prior notification of transit must be given.


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.

 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 $50,000, ages 30 days to 17 years old. Payment plans available.

   


Click above for On-Line Quote

All Risk Mortality Rates by Breed & Use

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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                
Plan A
 
Major Medical
 
$  7,500  ($300 Ded)   $325 < $25000  (Fully Earned)
          $  7,500  ($300 Ded)   $400 > $25000  (Fully Earned)
          $10,000  ($300 Ded)   $425 < $25,000 (Fully Earned)
$10,000  ($300 Ded)   $500 > $25,000 (Fully Earned)
          $15,000  ($300 Ded)   $525 < $25,000 (Fully Earned)
$15,000  ($300 Ded)   $600 > $25,000 (Fully Earned)
 
Over Age Horses:
 
15 years: add 2% to basic rate
16 years: add 3% to basic rate
17 years: add 5% to basic rate
          18 years: add 8% to basic rate
19 years: add 11% to basic rate
          20 years: add 14% to basic rate

Minimum Mortality Premium Per Horse     $150

Equine Mortality Application
Statement of Health Form
 

 

 

Plan B

Major Medical
 
$   7,500  ($300 Ded)   $300 Fully Earned
          $ 10,000  ($500 Ded)   $500 Fully Earned
          $ 15,000  ($500 Ded)   $450 Fully Earned

 

Over Age Horses:
 
16 years:  5.25%
17 years:  8.0%
          18 years:  Submit
 

Racing Thoroughbred Rating Plan for Values to $300,000

 

Equine Mortality Application
Statement of Health Form

FAQs for Horseowners

Over 5.1 million horses died from colic in 2008, which was roughly 1 horse every 10 seconds. Equine colic is defined in a clinical setting as abdominal pain - but the source of that pain could be anything from a small blockage to a twisted gut. Depending on the severity of the colic, it can cost over $8,000 to surgically correct a gastrointestinal block, and some horses take over a year to recover from this procedure, if at all. In the blink of an eye, belly pain escalate to a huge vet bill and a questionable outcome.

 

 

 

Monthly 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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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  
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