Coverages
For Your Horse
Mortality policies are available in all U.S. states
except Alaska and Hawaii.
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Mortality Coverages Explained
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Mortality
Coverage
The
Full Mortality policy provides coverage for death as
a result of an injury, illness, or humane destruction,
and includes loss or death as a result of theft. Coverage
territory includes the continental U.S.A. and Canada.
Vet certificates are not required for horses valued
up to $100,000. Foals under 30 days old require a Foal
Vet Certificate.
Colic
Surgery Coverage
At
no extra cost, the Full Mortality policy includes coverage
for colic surgery up to $3,000.
Guaranteed 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.
Value Endorsement
AEIG
Full Mortality policies also include a Value endorsement.
This coverage provides that in the event of a mortality
claim, if the value of your horse at any time during
the policy period was equal to the limit of indemnity,
you will be paid that amount.
Additional Medical and Surgical Coverages
Equine Medical and Surgical
For an additional charge, coverage can be added to your Mortality Policy for the cost of medical and surgical procedures including diagnostics as a result of accident, illness, injury, or disease. This coverage is available for horses ages 31 days to 20 years following underwriting guidelines.
There are three limits available for the Equine Medical/Surgical plans. Please select the mortality instant quote to see what coverage and limits are available for your horse.
$7,500 Annual Aggregate Limit
$10,000 Annual Aggregate Limit
$15,000 Annual Aggregate Limit
Simply the Best - Intro
Simply the Best - Gastric Ulcers
Simply the Best - Front Foot Lameness
Simply the Best - EPM, Lyme Disease, Metabolic Conditions, Laminitis
Simply the Best – Eye Conditions
Simply the Best – Respiratory and Sinus Conditions
Simply the Best – Tendon and Ligament Conditions
Simply the Best – Reproductive Conditions
Simply the Best - Spine Conditions
Simply the Best - Leg Infections
Catastrophic Accident/Illness ($5,000 annual limit)
For an additional $300 per year, you can add the Catastrophic Accident/Illness coverage up to an annual limit of $5,000 with a $375 deductible per accident, illness or injury. This coverage includes medical or surgical colic; treatment or surgery for illness, or external and violent injuries; treatment for neurological disorders as a result of illness; treatment for viral or bacterial illness; and treatment of lameness arising from laminitis.
Equine
Third Party Liability Coverage
Available
as an addition to your mortality policy, this option
provides coverage in the event your horse injures a
third party or damages their property. Coverage is for
defense fees and pays claims for which you are legally
liable up to an annual aggregate limit of $25,000.
Should you desire higher liability limits, consider
an Equine Personal Liability
Policy.
Stallion
Infertility for A S & D
In
the event your proven stallion becomes permanently incapable
of settling mares in foal as a result of accident, sickness
or disease, this coverage pays up to 100% of the insured
value.
Full
Loss of Use
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. Full
Loss of Use coverage is only available for the following
uses, subject to underwriting approval. Horses must
be actively competing, and current show records must
be included with new and renewal submissions.
| • |
Show Horses – only horses showing in
classes such as English Pleasure, Hunt Seat, Hunter
Under Saddle, Saddle Seat, or All-Around (if
the horse shows in at least one English use class).
|
| • |
Dressage |
| • |
Driving – only horses showing in driving
classes such as Fine Harness, English Pleasure,
etc. are eligible. Horses used for farm work,
pleasure driving, or combined driving are not
eligible. |
| • |
Show Hunter |
| • |
Show Jumper |
External
Injury Only Loss of Use
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. External Injury Only Loss of Use coverage
is only available for the following uses, subject to
underwriting approval. Horses must be actively competing,
and current show records must be included with new and
renewal submissions.
| • |
Show Horses – only horses showing in
classes such as English Pleasure, Hunt Seat, Hunter
Under Saddle, Saddle Seat, or All-Around (if
the horse shows in at least one English use class).
|
| • |
Dressage |
| • |
Driving – only horses showing in driving
classes such as Fine Harness, English Pleasure,
etc. are eligible. Horses used for farm work,
pleasure driving, or combined driving are not
eligible. |
| • |
Show Hunter |
| • |
Show Jumper |
Territorial
Limits Including Transit
The
Full Mortality policy only provides coverage for horses
while located in the continental United States and Canada.
If a horse travels outside this area or is purchased
abroad and imported, you need to add this coverage to
your policy.
Named
Perils Coverage
Available
to horses of any age, this policy provides coverage
for death as a result of specific named causes such
as fire and lightning, and includes coverage for theft.
FAQs For Horse Owners
Mortality Applications
Please click here for forms related to Mortality Applications
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