Mortality

Horse Insurance – Equine Mortality and More

Livestock Mortality Policy

Livestock Mortality is a Life Insurance policy for your horse, with you as beneficiary. It is an all risk policy covering death as a result of injury, illness, or humane destruction. Mortality also includes loss as a result of theft. Most policies (depending on age) include a twelve-month extension on the mortality coverage if a sickness or injury to your horse is reported during your policy term. A veterinarian’s exam is required on horses valued over $100,000 (horses insured through Great American). Please download the form (required) here: Veterinary Certificate of Examination for Equine Mortality Insurance

Major Medical

Major medical is a health insurance endorsement that reimburses the veterinarian’s fees for surgery, major illness and disease. This coverage will help you control veterinary expenses for unforeseen events related to the health of your animal. This coverage is available for horses 30 days through 15 years. Major Medical can only be used through a horse’s 15th year—surgical does not have an age limit.

Surgical

In lieu of major medical coverage, a surgical endorsement is available. This endorsement pays for reasonable and customary charges for emergency surgical treatment necessitated by accident, injury or illness.

Loss of Use

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. Loss Of Use will pay you 75% of the animal’s value if you choose economic destruction and the insurance company may take possession and title to the horse. This coverage requires radiographs and is limited to certain disciplines. Loss Of Use is only available to horses 12 years and younger.

Infertility

This endorsement covers your stallion if during the policy period he becomes permanently impotent, infertile, or incapable of serving mares. 
This incapacity must result from an accident, illness, or disease which occurs during the policy period.