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 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.

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 $50,000.

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 or $10,000 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.  Diagnostics for non-surgical lameness will be covered for up to $1,000 per occurrence.  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.

	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.
	Lameness - Policy coverage has no limitations on diagnostics or continuing care for lameness or other conditions.
	No Co-Pays - Policy has no co-payment requirements.
	Continuing Care - No policy continuing care time limits.
	Navicular, arthritis, and DJD - Conditions such as navicular, arthritis, and DJD are not automatically excluded.
	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.
 

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.

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.