Equine Insurance Info: About Age and Specified Perils

Monday, May 8, 2017
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I get this question all of the time..."To what age does Markel insure a horse to?" Markel insures horses with full Mortality AND Medical/Surgical benefits through the age of 18, however the rates for the Mortality coverage will begin to go up every year after the age of 15. Because of the increase of rates after the age of 15, an owner will often begin to reassess the horse’s value, and may choose to lower the insured value of the horse. We also offer what is called a Specified Perils policy for all horses, but most clients choose this option for horses over the age of 18.

A "Specified Perils" mortality policy reimburses for death due to fire, lightning, explosion, smoke, windstorm, collapse, or collision of a vehicle transporting the insured animal, or in the case of an automobile colliding with the horse. Please contact us for the rates for this very affordable coverage.

HorsesDaily's Mary Phelps ( is a Markel Equine Insurance Specialist and CSR Tracey Scharf ( provide the personal attention needed to help make the lives of their clients smooth and easy when it comes to the process of insuring your Farm, business and equine mortality needs. While Mary travels to the shows and barns, you can count on Tracey in the office to be available to answer questions and manage the details with ease. 1-800-572-3286