Full Mortality: Our polices provide coverage for death of an animal resulting from accident, injury, sickness, disease. Theft is also covered. This policy also covers you if your horse has to be humanly destroyed. (NO DEDUCTIBLES)
Free Colic Surgery: We offer mortality policies with and without free colic surgery coverage. The coverage limits given vary by company.
Major Medical: This endorsement to your policy gives you coverage for medical bills that result from an accident, sickness, illness to your horse. We offer coverage limits from $5,000 to $7,500. Conditions, exclusions and coverages vary by Company.
Extension of Coverage: All our policies provide coverage extension in the event of a condition manifesting and reported during the policy year, for full mortality coverage for the named animal for 12 months from the policy expiration date.
Surgical: This endorsement to your mortality policy is less comprehensive than major medical. The endorsement provides coverage for non-elective surgeries only. Coverages and coverage limits vary by Company.
Loss of Use: Provides reimbursement to you if your horse should become permanently disabled and unfit to perform its specified use in your policy. Coverage limits, reimbursements and conditions vary by Company.
Limited Loss of Use: This endorsement provides coverage if your horse becomes totally and permanently disabled and unfit to perform its specified use, as a result of a visible, external and accidental injury that doesn't require destruction.
Named Perils (Limited) Mortality Policy: This Policy Provides coverage for the death of your horse as a result of a named peril. Example of some Perils: Fire, Lightning, Transportation.
Stallion Infertility: This Endorsement to your policy protects you if your breeding stallion becomes permanently impotent, infertile or incapable of servicing mares. This coverage will provide 100% return of the insured value of the animal. Coverages and conditions vary by Company.
Premium Reduction Plans:
Aggregate Deductible: This policy is designed for owners/breeders who have more than 8 horses to insure. The policy allows you to use a deductible under your mortality coverage and in doing so, the company will discount the mortality rate and therefore reduce your premium substantially.
