Added Affordable Insurance for Equipment, Evacuation, and Burial Services
Monday, June 24, 2024 | Mary Phelps
Mary Phelps and Tracey Scharf your Markel Personal Service guides
Markel® has created a new affordable coverage for horse owners to add to their horse mortality insurance policy. The Equine Essentials Enhancement is designed to assist with the extra expenses of owning a horse you may not think about and are not covered in your mortality policy.
Download and view the flier with all the contact information and detail.
This greatly enhances your equine mortality coverage that your personal line of insurance may not provide. We specifically address three areas that can be unexpected and stressful events where we can help.
It’s all here on the Mortality Application
When added to your policy, coverage is provided for:
- Horse Equipment
- Emergency Evacuation
- Necropsy and Burial Expenses
Horse Equipment
It protects against the loss or damage to any horse equipment owned by you that you used to ride or drive a horse (but not carriages). This includes but is not limited to, saddles, bits, cinches or girths, harnesses, headgear, martingales, horse blankets, and saddle blankets.
The limits of insurance are based on a specified value for each item and per occurrence for all owned unscheduled horse equipment.
Enhancement options available:
- Option 1: $89 premium
- Option 2: $164 premium
- Option 3: $239 premium
• Owned horse equipment
– $2,500 limit per item, $5,000 limit per occurrence, $250 deductible (included with option 1)
– $5,000 limit per item, $10,000 limit per occurrence, $250 deductible (included with option 2)
– $7,500 limit per item, $15,000 limit per occurrence, $250 deductible (included with option 3)
Higher limits are available, and so are we, who can help you with additional information.
- Tracey Scharf (for Mary Phelps) 1-800-572-3286
Tracey.Scharf@Markel.com - Mary Phelps – cell/text 859-940-8517
Mary.Phelps@Markel.com
• Non-owned horse equipment
– $500 limit, $1,500 limit per occurrence, $250 deductible
The expenses will be reimbursed once the deductible has been met. Per occurrence, or per claim, refers to the total amount Markel will pay per incident during the policy term.
Emergency evacuation
In the event of an emergency evacuation of your owned or leased horses that you currently insure on a Markel horse mortality policy, we will pay the following reasonable expenses that you might incur:
• Cost of boarding the horse(s)
• Cost of equine feed
• Cost of transportation to evacuate the horse(s)
The emergency evacuation has to be due to a mandatory order of a governmental authority or civil authority, and is due to an event caused by a covered cause of loss.
The limit of insurance is $30 per day, up to 15 days. No deductible applies to this coverage.
Necropsy and burial expense
Coverage to pay for the necessary and customary veterinary fees for necropsy, as well as reasonable expenses for the burial, cremation, or disposal incurred by you for your covered horse(s), provided the death of the horse is caused by a covered cause of loss.
A completed and signed report from the attending veterinarian will be required. The limit of insurance is $500 per horse.
No deductible applies to this coverage.
Contact us for personal assistance; we are here to help. 
- Tracey Scharf (for Mary Phelps) 1-800-572-3286
Tracey.Scharf@Markel.com - Mary Phelps – cell/text 859-940-8517
Mary.Phelps@Markel.com
About Markel – Markel North America Insurance Group, is owned by Markel Corporation, a Fortune 500 corporation. Coverage is provided by one or more of the insurance companies under the Markel North America Insurance Group and policyholder services are provided by the underwriting manager Markel Service, Incorporated, national producer number 27585. Insurance carrier, coverage, dividends, and services availability may vary by state. Markel offers both commercial and personal lines products. Terms and conditions for rates and coverages varies. Markel® is a registered trademark of the Markel Corporation. ©2023 Markel Service, Incorporated. All rights reserved.
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