Equine Mortality

An Equine Mortality Policy is an all perils life insurance policy for your horse, no matter the insured value. You are covered against loss from accident, illness, disease, injury, theft or human destruction, and transportation anywhere in the continental USA or Canada (optional worldwide territories are available). The premium rate is 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

  • Agreed Value Coverage

  • Guaranteed Extension Coverage

Full Mortality coverage for your horse may be bound upon receipt of a completed and signed application.

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Optional Coverages

More options to protect your loved ones!

Major Medical, Colic and 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. It covers a portion of diagnostic testing, medical treatment, surgical services, as well as after-care treatment. Deductibles are reasonable and benefits are generous.

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Loss of Use

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. Full mortality and major medical are required for this coverage. If your horse sustains an accident, sickness or injury, and it is a covered loss of use claim, the carrier will pay out a percentage of the insured value..

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Air Transit/Extended Territorial Limits

Full Equine Mortality coverage may be extended to include international transportation to and from other approved countries. Please contact your agent for eligibility requirements and pricing. Prior notification of transit must be given before coverage will be extended.


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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.