EQUINE MORTALITY
Equine Mortality:
Full Equine Mortality coverage is provided for death as a result of injury, illness, humane destruction, and transportation anywhere in the continental U.S.A. or Canada (optional worldwide territories are available) and includes loss or death of the insured horse as a result of theft. The premium rate is simply based on the horse’s use, breed, and age.
With certain equine insurance carriers, a Full Equine Mortality policy also includes at no extra charge:
- Automatic Colic Surgery Coverage up to $3,000
- Agreed Value Coverage, which provides that in the event of a horse’s death, if the value of the horse at any time during the policy period was equal to the stated limit, the insured will be paid that amount.
- Guaranteed Extension Coverage, which provides that in the event of an injury or illness occurring and reported during the policy period, full mortality coverage will automatically continue for up to 12 months from the expiration date for that specific condition. (Applies to horses 14 and under.)
Full Mortality Coverage for your horse may be bound upon receipt (via fax or mail) of a completed and signed application. For horses valued at $50,000 or less, with no medical incidents in the previous twelve months, the owner may complete and sign a Statement of Health form. For horses valued over $50,000, or for those injured in the previous twelve months, a veterinarian must complete an exam.
DOWNLOAD MORTALITY APPLICATION
DOWNLOAD RENEWAL HEALTH STATEMENT - GREAT AMERICAN
DOWNLOAD RENEWAL HEALTH STATEMENT - UNITED NATIONAL GROUP
DOWNLOAD VALUE SUBSTANTIATION FORM
This document requires Adobe Acrobat Reader.Download Adobe Acrobat Reader 5.0
OPTIONAL COVERAGES
Mortality Endorsements
- Major Medical & Surgical
- Surgical Only
- Loss of Use including Economic Destruction
- Loss of Use - External Injury
- Aviation/ Territory One
- Stallion Infertility
Major Medical & Surgical:
Coverage is provided for the cost of equine medical and surgical procedures performed by a veterinarian, including diagnosis as a result of accident, illness or disease. Major medical and surgical coverage is available for horses 30 days through 15 years of age. Annual aggregate limits range from $7,500 - $10,000 per occurrence, with deductibles of $250 - $300. Cost per horse begins at $250 - $450.
Surgical Only:
Should your insured horse require surgery, this endorsement will cover specified costs. Companies will pay reasonable and customary charges for surgical treatment (including anesthesia) necessitated by accident, injury or illness. In addition to the surgical fees, they will pay up to 35% of the veterinary fees for hospitalization, X-rays, medication and lab tests that are necessitated as a result of the surgery. Costs range from $85 to $150 annually with a $50 or $0 (zero) deductible for each claim, and a $5,000 limit per horse per year.
Loss of Use including Economic Destruction:
(only applies to horses valued at $25,000 or more)
If your performance horse (12 years and under) 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. The Loss of Use extension will pay you 50% of the animal's value if you elect to keep your horse, or may pay you up to 75% if the company takes possession of the animal or the animal is destroyed. (Full X-ray reports and soundness exams are required for approval at the inception of this endorsement.)
Loss of Use - External Injury:
This coverage provides that in the event your horse is permanently no longer able to perform its insured function as
a result of a visible, external, accidental and violent-means injury, you will be paid up to 50% of the insured value
under the mortality policy. Available for horses ages 1 - 17 years, for select uses.
DOWNLOAD LOSS OF USE APPLICATION
Air Transit/ Extended Territorial Limits:
Full Equine Mortality coverage may be extended to include international transportation to and from other approved countries. Premium for Territorial Limits including Transit coverage is rated at 0.5% one-way and 1.0% for annual coverage and is fully earned. Prior notification of transit must be given before coverage will be extended.
Stallion Infertility for A, S & D:
Full Equine Mortality coverage may be extended to include international transportation to and from other approved countries. Premium for Territorial Limits including Transit coverage is rated at 0.5% one-way and 1.0% for annual coverage and is fully earned. Prior notification of transit must be given before coverage will be extended.
The coverages described above are summarized and subject to the terms, conditions and exclusions printed in the policy. Refer to the policy form for specifics on coverages and limits. Also, all coverages are subject to state law, which may vary materially from stated information.