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The
Full Mortality policy is an open peril policy, which covers
for death because of accident, illness, injury, humane destruction
and transportation anywhere in the continental U.S. or Canada,
and includes loss or death because of theft. Veterinary
certificates are required for horses valued over $25,000.
Coverage is available for horses 24 hours to 20 years old.
Premiums are based on a percentage of the horse’s
value, depending on its age and use. To get an emailed quote
within 24 hours, go here.
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12-Month
Extension
The Full Mortality policy also includes a 12-month guaranteed
extension. If your horse suffers a health problem during the
policy period and this problem is reported to the insurance
company at that time, mortality coverage will automatically
continue for up to 12 months from the expiration date of the
policy, for that specific condition. The 12-month extension
applies only to the Full Mortality Coverage.
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For
an additional charge, this coverage can be added to your
Mortality Policy to reimburse you for the cost of medical
and surgical procedures, including diagnostics that are
a result of an accident, illness, injury, or disease. This
coverage is available for horses ages 30 days through 15
years.
7,500 Annual Aggregate Limit
This endorsement provides $7,500 in coverage (regardless
of the horse’s insured value on the mortality policy),
subject to a $250 deductible per illness, injury or incident.
Surgical
Only
For an additional charge, this coverage can be added to
your Mortality Policy to reimburse you for the cost of surgical
operating room charges. In addition, you will receive a
maximum of 35% of that cost for approved non-surgical aftercare
medical fees. The annual aggregate limit is $5000 per illness,
injury, or incident. Coverage is available for horses ages
24 hours and older.
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In the
event your proven stallion becomes permanently incapable
of settling mares in foal as a result of an accident, sickness,
or disease, this coverage pays up to 100% of the insured
value.
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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 75% of the insured value.
This coverage also has specific age and use restrictions.
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In
the event your horse becomes permanently unable to perform
its insured use because of an accident, illness, injury or
disease, this coverage pays up to 75% of the insured value.
This coverage has very specific age and use restrictions,
and a complete veterinary examination, including X-rays and
flexion tests is required.
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Available
to horses of any age, this policy provides coverage for death
because of specific named causes such as fire and lightning.
Many owners purchase this coverage after their horses can
no longer be covered by a full mortality policy due to advanced
age.
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| MORTALITY
APPLICATIONS |
Equine
Mortality Application
Required for all horses.
Veterinary Certificate
To be filled out by your Veterinarian. Required for horses
insured for more than $25,000 or when Loss of Use Coverage
is desired.
Value
Substantiation Form
Required on all horses whose insurance to value is greater
than the purchase price.
Statement
of Health
Required on all horses.
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