Full Mortality:
Our policies provide coverage for death of an animal resulting from accident, injury, sickness, and 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 the company.

Guaranteed Renewal:
We offer coverage through multiple insurers that guarantee coverage to the age of 15. This company will renew the coverage no matter the value, nor condition of the animal at renewal, with no vet exam until 14 years of age. This is the most comprehensive coverage offered by any insurance company, and is only offered through Kaplow Insurance Agency.

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, $7,500 and $10,000. Conditions, exclusions and coverages vary by company.

Extension of Coverage:
Some of 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.

Full Loss of Use:
Provides reimbursement to you if your horse should become permanently disabled and
unfit to perform its specific 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 for a visible, external and accidental injury that doesn't require destruction.

Limited Perils 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.

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.